vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am disputing inaccuracies on my credit report and requesting the immediate removal of specific accounts and items. These inaccuracies include unauthorized negative entries, incorrect addresses, and hard inquiries reported without my consent. These actions violate the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( FACTA ), particularly 15 U.S.C. 1681c-2, which requires consumer reporting agencies to block or delete information reported without written consent. You have failed to ensure maximum possible accuracy, as required under 15 U.S.C. 1681e ( b ). The reporting of unauthorized data also breaches 15 U.S.C. 1681b, which governs permissible purposes for obtaining and reporting consumer data. The inaccuracies have caused harm to my creditworthiness, and despite providing documentation, these errors remain uncorrected.

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 status incorrect
Company: EQUIFAX, INC.
State: LA

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

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 — Information belongs to someone else
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
XXXX XXXX, XXXX, XX/XX/XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX  credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX. 
These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. 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 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.

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 — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
My credit report should only reflect accurate information, which is why its important to verify the accuracy of this data rather than relying solely on what the data furnisher has provided. Its frustrating to see my credit get negatively affected by inaccuracies that arent my fault. I'm deeply concerned about these errors and they've been causing me stress and it's also impacting my ability to secure new credit. They are mixed, fraudulent information that Ive never authorized or benefited from. This situation is unfair and I need you to address this as soon as possible to prevent further damage.

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 — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
Pulled my credit report & noticed inaccurate and outdated names and info on my report

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 status incorrect
Company: CCS Financial Services, Inc.
State: CA

Complaint narrative:
I canceled my XXXX insurance policy on XX/XX/year>, and switched to XXXX on the same day. I notified XXXX of this and provided proof of alternate coverage. Despite this, XXXX later claimed they couldnt reach me and sent a charge to collections, which is completely invalid. 

I made over XXXX documented attempts to contact XXXX and resolve the confusion. I received multiple letters falsely stating I never contacted them, even though I spoke with agents and provided all necessary documentation. XXXX even acknowledged the confusion but still sent the account to collections. 

This has resulted in a nearly XXXX drop to my XXXX XXXX and is damaging my financial standing. I disputed the charge with XXXX, but XXXX falsely verified the information, so the negative item remains. 
XX/XX/year> : Requested policy cancellation and XXXX XXXX XXXX. 
Same Day : Provided proof of replacement coverage through XXXX. 
Following Weeks : Received XXXX letters falsely stating no contact had been made. 
Made XXXX attempts to communicate with XXXX and clarify the issue. 
XXXX acknowledged the confusion and stated the matter would be corrected. 
Despite this, the account was still sent to collections. 


I am requesting that XXXX delete the account from all credit bureaus and send me written confirmation. This reporting is inaccurate, unfair, and violates the Fair Credit Reporting Act.

Company public response: Company believes it acted appropriately as authorized by contract or law
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 — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached XXXX XXXX XXXX XXXX. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section XXXXB of the Fair Credit Reporting Act.

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: Debt collection — Telecommunications debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Kriya Capital, LLC
State: SC

Complaint narrative:
They said I had a phone account with them in XXXX but I never had a XXXX account never

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-29 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Alorica Inc.
State: PA

Complaint narrative:
I see that this account has been a charged-off status and yet is a past due balance on my XXXX  report, do you know it is a violation I urge your agency to re-investigate this account and ensure that is correct, fair, and complete report is given.I don't believe the status of this account is accurate.. delete due to multiple violations

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: EQUIFAX, INC.
State: MI

Complaint narrative:
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!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-29 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me

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 card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
To Whom It May Concern, I am filing a formal complaint regarding discriminatory treatment by Bank of America. XXXX weeks ago, I applied for a credit card with a {$7000.00} credit line and was immediately approved. Before the card even arrived, I received a letter indicating potential fraud and was asked to call them. 

Upon receiving the card XXXX, I contacted Bank of America this morning to activate it. Despite verifying all of my information, they refused to activate the card in a normal manner. This is the second time this has happened ; XXXX year, I went through a similar ordeal, where I had to verify my identity in person at a bank branch. It took over an hour for them to approve it, and I ultimately closed the account because of the treatment I received. 

I believe I am being flagged and denied standard service because of my voice, as I am a XXXX XXXX. This discriminatory treatment is not only unjust but also a violation of my rights. If individuals can be denied an account simply because they can not verify their identity over the phone, it places an undue burden on individuals like me. 

I request an investigation into this matter and appropriate action to ensure that I receive fair treatment. Thank you for your attention to this issue.

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: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
My Experian credit report is currently showing a previous address listed as XXXX XXXX XXXX XXXX XXXX, CA XXXX, with a reported date of XX/XX/year>. This address is inaccurate and should not be associated with my credit file. I have never lived at or been affiliated with this location, nor have I ever authorized my personal data to be tied to this address in any financial, legal, or residential capacity. The presence of this incorrect personal information is not only misleading but potentially damaging to the integrity of my credit profile.

The Fair Credit Reporting Act ( FCRA ), under 15 U.S.C. 1681e ( b ), requires that Experian follow reasonable procedures to assure maximum possible accuracy of the information it includes in consumer reports. The inclusion of an address I have no connection to clearly violates that responsibility. Additionally, under 15 U.S.C. 1681i, I have the right to dispute any information that is inaccurate, incomplete, or unverifiable, and Experian is obligated to correct or delete such information after conducting a reasonable reinvestigation.

This type of inaccuracy also raises concerns about data integrity and the possibility that my information was affected by a broader systemic issue, such as a data breach. It is deeply troubling that Experian has allowed outdated or unrelated personal information to persist on my credit report, and this puts me at risk of being misidentified or having unrelated activity incorrectly attributed to my name.

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: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem using a debit or ATM card
Company: Paypal Holdings, Inc
State: OK

Complaint narrative:
So my phone and my venmo debit card was stolen and then used to pull out {$300.00} from my account that I did not authorize. Then I used another phone to log into my venmo account and saw that it had been taken out so I disputed the transaction and gave all the relative information that the transaction was not unauthorized when for a fact I know it was

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-05-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: MS

Complaint narrative:
I don't recall having a contractual relationship with this collection company. Please give proof that this account belongs on my credit report and that my rights have not been infringed upon ; otherwise, terminate this account immediately. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Kriya Capital, LLC
State: FL

Complaint narrative:
i am filing a complaint because this creditor XXXX XXXX XXXX is reporting Debt on my account ending in account # XXXX that are inaccurate and not properly verified i have disputed directly with the credit bureaus and the furniture but the Collection remain without proper validation or documentation under 15 usc 1681s 2 a Furnitures must report accurate information under 15 usc 1681 i the credit bureaus must perform a reasonable investigation within 30days neither have provided sufficient evidence to support the negative reporting XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Fl XXXX XXXX Date : XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Subject : Debt Validation Request & Cease Unlawful Collection Practices Dear XXXX XXXX XXXX, I am writing to formally dispute the alleged debt referenced in your correspondence and to request full validation under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. I do not acknowledge ownership of this debt, and I am asserting my rights under federal law.

Pursuant to 15 U.S.C. 1692g ( b ), you must cease all collection efforts until you have provided the following : Proof of Validation A signed contract or agreement bearing my signature, proving I agreed to this debt.

Itemized Breakdown A detailed statement of how the amount was calculated.

Original Creditors Information Full details, including the name and address of the original creditor.

Proof of Collectors Authority Documentation proving you have the legal authority to collect this debt.

Additionally, I am asserting my rights under 15 U.S.C. 1692c ( a ) to request that all communication regarding this matter be conducted in writing only. You are prohibited from calling my phone number at any time. Any further phone calls will be documented as harassment under 15 U.S.C. 1692d and may result in legal action.

Furthermore, should you fail to provide the requested validation, any continued collection activityincluding reporting this debt to credit bureauswill constitute a violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2 ( b ), and I will not hesitate to take appropriate legal action.

If this debt is not fully validated within 30 days, or if you continue to engage in unlawful collection practices, I will exercise my right to file complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my states Attorney Generals office. I am also prepared to pursue legal action in federal court for any FDCPA and FCRA violations.

I expect your prompt compliance. Please respond in writing within 30 days from the date of this letter.

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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I HAVE BEEN AFFECTED BY THE XXXX  XXXX BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened XX/XX/XXXX Account Name : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Account Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Account Name : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened XX/XX/XXXX Account Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXXXX/XX/XXXX Experian

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: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XX/XX/XXXX at XXXX pm, I deposited XXXX dollars to a ATM using my debit card, I deposited my money and a few minutes later it told me the atm encountered an error and gave me a receipt to call and make sure my money was deposited.i called the customer service number on the receipt they promised me I would get my money back and to call another number, i called the other number and were closed. I called the next day on the XXXX around XXXX they told me they would submit a claim and should have an atm credit of XXXX $ within XXXX hours. I also went to bank franchise where it happen @ XXXX XXXX XXXX XXXX, XXXX, they told me the same thing I should receive an atm credit of XXXX $ within XXXX hours. It is now mayXX/XX/XXXX Thursday, I have not received any atm credit, I have had my checking account go negative and have had to transfer my savings to cover expenses. I dont know how much longer this process and claim is going to take I called again today and they said it may take XXXX  days. Im just wanting to receive the money that is mine and no more I want this issues that CHASE caused resolved ASAP, as more of my bills are due soon and will not be able to cover it. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-29 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
Accepted a small business savings account offer, on behalf of my single-owner, XXXX XXXX, advertised as offering a promotional 4.2 % APY rate GUARANTEED for 6 months. Never once, within the 6 month period was I ( the client ) honored the 4.2 % APY rate that was advertised as GUARANTEED. Visited a local branch in XXXX XXXX XXXX NY late XXXX to question why the APY was inaccurate ( lower than promised ), and was given a vague explanation having to do with the account being open several days into the month, versus day one of the month, resulting in a lower APY, and was told to monitor the APY for the following months. In the following months, the APY rate was still lower than promised. Called in after the 6 months to demand fulfillment of their 4.2 % APY promise, and was told a back office ( whose contact info is held undisclosed to clients ) will research and respond / resolve within 30 days. This was on XX/XX/XXXX. XX/XX/XXXX, Still no resolution, no missing funds made available to client. Produced the actual promotional advertisement of the offer for the bank, and showed them that their calculations were off, visible in each statement spanning 6 months since XXXX 2024, and to date, no reply, no explanation, no rebuttal, no resolution.

Company response to consumer: Closed with explanation