vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-13 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: CA

Complaint narrative:
I am submitting this complaint because Equifax is reporting information that I believe is inaccurate or unverifiable. I am requesting a full reinvestigation of the items listed below. 

Charged-Off Account in Dispute XXXX XXXX Account Number : XXXX Date Opened : XX/XX/year> Reported Balance : {$100.00} Reason for Dispute : This account appears to be reported inaccurately. I do not believe this debt has been properly validated, and I have not received documentation proving ownership or the accuracy of the balance or charge-off status. I request verification of this information or deletion of the account if it can not be fully substantiated. 

Late Payment in Dispute XXXX XXXX XXXXXXXX Account Number : XXXX Reason for Dispute : There is a late payment being reported that I believe is inaccurate. Please verify the payment history and provide supporting documentation. If Equifax can not verify the reported delinquency, I request that it be removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-13 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: NJ

Complaint narrative:
To Whom It May Concern, TransUnion improperly closed my previous dispute, claiming it did not come directly from me or an authorized representative. This statement is completely incorrect. I personally submitted the dispute myself through the CFPB portal and have not authorized any third party to act on my behalf. 

I am the original consumer, and I am requesting that TransUnion properly reinvestigate and correct the following inaccurate information currently appearing on my credit report : Wrong Addresses : XXXX XXXX, XXXX XXXX, NJ XXXX XXXX XXXX, XXXX, FL XXXX I respectfully request that the CFPB ensure TransUnion conducts a proper reinvestigation and makes the necessary corrections or deletions of the inaccurate items listed above. 

Thank you for your prompt attention to this matter.

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 2025-11-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: GA

Complaint narrative:
I am writing to formally request debt validation for a collection account mentioned in a letter I recently received. Under my rights through the Fair Debt Collection Practices Act ( FDCPA ), I ask that your office provide clear proof that the debt is valid. This should include the name of the original creditor, the amount owed, a full payment record, and proof that I am responsible for this debt. 

I am making this request to ensure the information being reported is accurate and not the result of a mistake, fraud, or confusion. While waiting for proper validation, I ask that you pause all collection activity and reporting related to this account, as allowed by law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-13 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: OH

Complaint narrative:
I reviewed my credit reports and found several unauthorized and unrecognized hard inquiries that were never approved or connected to any active accounts. These inquiries are still being reported, which is a direct violation of the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and Metro 2 data reporting standards.

Under FCRA 604 ( a ), a credit inquiry can only be placed when the consumer has given written authorization or there is a valid permissible purpose. These companies have not provided any such proof. Continuing to report these inquiries without verification violates FCRA 607 ( b ), which requires credit bureaus to maintain the maximum possible accuracy of all information reported.

Additionally, keeping these inquiries on my file after being disputed violates FCRA 611 ( a ) ( 1 ) ( A ), which requires a complete reinvestigation of disputed items, and FDCPA 807 ( 8 ), which prohibits furnishing false or mislea
ding credit information. The fact that these inquiries remain shows noncompliance with both federal law and Metro 2 reporting requirements, which require full validation and field accuracy for all data reported to consumer files.

I previously submitted disputes demanding that these unauthorized inquiries be deleted, yet they remain on my report. This continued reporting is unlawful and damaging to my credit profile. I am requesting a full investigation, permanent deletion and blocking of all unauthorized and unverifiable inquiries, and written confirmation that my credit reports have been corrected across all three bureaus.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I reviewed my credit reports and found several unauthorized and unrecognized hard inquiries that were never approved or connected to any active accounts. These inquiries are still being reported, which is a direct violation of the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and Metro 2 data reporting standards.

Under FCRA 604 ( a ), a credit inquiry can only be placed when the consumer has given written authorization or there is a valid permissible purpose. These companies have not provided any such proof. Continuing to report these inquiries without verification violates FCRA 607 ( b ), which requires credit bureaus to maintain the maximum possible accuracy of all information reported.

Additionally, keeping these inquiries on my file after being disputed violates FCRA 611 ( a ) ( 1 ) ( A ), which requires a complete reinvestigation of disputed items, and FDCPA 807 ( 8 ), which prohibits furnishing false or mislea
ding credit information. The fact that these inquiries remain shows noncompliance with both federal law and Metro 2 reporting requirements, which require full validation and field accuracy for all data reported to consumer files.

I previously submitted disputes demanding that these unauthorized inquiries be deleted, yet they remain on my report. This continued reporting is unlawful and damaging to my credit profile. I am requesting a full investigation, permanent deletion and blocking of all unauthorized and unverifiable inquiries, and written confirmation that my credit reports have been corrected across all three bureaus.

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 2025-11-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Kindly study the materials supplied ; the inquiries appeared without notice and may be unapproved.

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 2025-11-13 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: TX

Complaint narrative:
Please assess the attached materials ; the inquiries came unexpectedly and may be unapproved.

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 2025-11-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
On XX/XX/2025, my XXXX account was taken over by an unauthorized person. They changed my email and phone number on the XXXX profile and made a fraudulent purchase using the debit card that was saved on my XXXX account. I did not authorize this transaction, did not make the purchase, and did not give anyone permission to use my debit card. 

I immediately contacted XXXX, reported the account takeover, and had the account restored. XXXX confirmed the transaction was unauthorized but stated they do not provide account-takeover letters. 

I then contacted Wells Fargo to dispute the unauthorized debit card transaction. I completed a fraud claim and provided all information. Wells Fargo denied my claim, stating that because I had possession of my card and my phone, they can not prove it was fraud. This reasoning is incorrect, as debit card fraud caused by an online account takeover is still an unauthorized electronic funds transfer under Regulation E.

I requested Wells Fargos investigation notes, evidence used to deny my claim, and any documentation supporting their decision. Wells Fargo did not provide the requested information and has not shown any evidence that I authorized the transaction. 

This charge was the result of an account takeover and is clearly an unauthorized electronic funds transfer. Wells Fargo is refusing to refund the fraudulent transaction and is not complying with Regulation E dispute requirements. I am requesting that the CFPB require Wells Fargo to reopen and properly investigate my claim, provide the documentation I requested, and refund the unauthorized charge.

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 2025-11-13 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX  \nGA XXXX  \nTel: XXXX XXXX XXXX XXXX XXXXCredit Collection ServicesXXXX XXXX XXXX MA XXXXRequest for Debt Validation  Reference: XXXX XXXX XXXX (PINXXXX)XXXX XXXX XXXX  Account Number XXXXTo Whom It May Concern: \n\nI am writing in response to your claim regarding an alleged medical debt. This letter is a request for validation of the debt as provided for by the Fair Debt Collection Practices Act (FDCPA), 15 U.S.C.  1692g. \n\nPlease provide the following:\n\nProof that I am legally obligated to pay this debt, including a copy of any agreement bearing my signature. \n\nThe name and address of the original medical provider, along with the date of service(s). \n\nAn itemized statement of all charges, payments, adjustments, and the amount you claim I owe. \nProof of your legal authority to collect, including your license information and whether you are authorized to collect in my state. \n\nDocumentation that this debt is not time-barred by the statute of limitations in Georgia. \n\nA copy of any assignment or transfer agreement that gives you the right to collect this debt. Until you provide the above documentation, this alleged debt is disputed. Under the FDCPA: \n\nYou must cease all collection activities until proper validation is provided. You may not report this debt to any credit bureau, and if it has already been reported, you must request its removal until validation is completed. Please note that I am keeping detailed records of all correspondence for my records. If you cannot provide the requested proof, you must cease all collection efforts and remove any related information from my credit file. \n\nThis letter is not an admission of liability and does not waive any of my rights under federal or state law. \n\nSincerely, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-13 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: IL

Complaint narrative:
XXXX XXXX is a app that has no phone number to contact a real person I used the app and set autopay with my bank account I had enough funds available to make my XXXX $ payment the app had some kind of problem and would not try to take the payment now the account was marked as late and should not have been I tried to contact someone in the company and could not

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 2025-11-13 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Fees charged
Company: FIFTH THIRD FINANCIAL CORPORATION
State: CA

Complaint narrative:
I am writing to formally dispute the delinquency reported on my mortgage account with 53rd Bank in XX/XX/XXXX. I respectfully request that this late payment be removed from my credit report due to circumstances beyond my control and my immediate action once notified. 

At the end of XXXX, 53rd Bank issued a notice of the adjusted mortgage payment for XXXX, increasing the monthly amount from {$1000.00} to {$1100.00}. Unfortunately, I never received this notice in the mail. During this same period, I was in the process of moving to a new home in XX/XX/XXXX, which I believe contributed to the mail being delayed, misplaced, or not delivered. 

Because I did not receive the updated payment information, I continued to make my normal monthly payment, unaware that it was {$87.00} short. The first notice I received regarding the shortage was the delinquency letter sent in XXXX. As soon as I received it, I immediately contacted customer service at 53rd Bank and brought the account current on the same day.

Despite addressing the issue promptly, this delinquency has significantly impacted my credit score and reduced my purchasing power. Given that I was never made aware of the payment change due to mail delivery issues during my move, and that I resolved the matter immediately upon learning of it, I kindly request that this late payment be removed as a goodwill adjustment.

I have been a responsible customer and have demonstrated consistent payment history. I hope 53rd Bank can review this situation with understanding and assist in correcting this isolated issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-13 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem with additional add-on products or services — 
Company: Bright Capital Inc
State: TX

Complaint narrative:
So bright money charged me a membership fee which I signed up for but seen that it wasnt worth it so I called and canceled it. They took money out of my account on the XXXX it posted to my account on the XXXX. They were telling me they never received the funds until I told them on the XXXX that I have proof that the funds were posted on my account they asked for proof and sent my money back. But they have been holding my money from me on the XXXX today is the XXXX Im asking to see if Im able to make a law suit against the company for unlawful practices within their company and I have proof and recording also.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-13 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: TX

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's XXXX XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts :

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-13 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Williams & Fudge, Inc
State: OK

Complaint narrative:
I was unaware of the balance until this year. I received no correspondence or phone call to my knowledge or remembrance until today when they called my wife.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-13 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:
b'I sent a certified letter to Equifax on XXXX  with tracking XXXX XXXX XXXX XXXX XXXX XXXX and XXXX   with tracking XXXX XXXX XXXX XXXX XXXX XXXX Per the USPS the letters was delivered on XXXX and XXXX The letter\nstated they needed to promptly investigate the account and correct it or delete it. This\nincluded letters for accountsXXXX XXXX XXXX  (account #  XXXX)XXXX XXXX (account #  XXXX) \n\nEquifax failed to respond. I sent another letter on XXXX which they failed to\nrespond to once again.'

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
My Capital One credit card account was closed in early 2025. After the account was closed, Capital One reversed a prior payment months later without notifying me. This reversal created a balance that I did not know existed. Because the account was closed, I was not monitoring it for activity, and Capital One never informed me about the reversal through any successful communication. 

Despite the account being closed and the reversal going uncommunicated, Capital One continued to add interest charges, a late fee, and additional balance increases. I made substantial good-faith payments afterward, including {$240.00} on XX/XX/year>. Yet Capital One continued adding new interest charges ( most recently on XX/XX/year> ), and the account remains restricted. 

I previously filed CFPB complaint XXXX about this issue. In their response, Capital One did not address the central problem : they never notified me of the reversed payment and continued to charge fees on an account that had already been closed. Their explanation did not resolve the billing error or remove the improper charges. 

During a recent recorded call with a Capital One supervisor, I was told that Capital One attempted to mail me notices but that the mail bounced back. This confirms Capital One knew their communications were not reaching me, yet they continued adding interest and fees without providing the required notice through any other channel. This is a direct violation of the Fair Credit Billing Act ( FCBA ). 

Because the balance, interest, and fees were entirely caused by an uncommunicated payment reversal on a closed account, I am disputing the entire amount. Capital One is attempting to collect on an invalid balance created by their own communication failure and continues to add interest despite my good-faith payment efforts.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-13 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: FL

Complaint narrative:
I request the removal of these fraudulent accounts from my credit report, as I had no involvement in opening them and was unaware of their existence. Under USC 1681g, I demand their deletion within 15 days. Supporting documents are attached.

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 2025-11-13 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: NJ

Complaint narrative:
TransUnion has closed my previous dispute claiming it did not come directly from me or from someone I authorized. This statement is completely false. I personally submitted my dispute myself through the CFPB portal and have never authorized any third party to act on my behalf. 

I am the original consumer and I am demanding that TransUnion properly reinvestigate and correct the following inaccurate and unverified information currently being reported on my credit file. 

Inaccurate Addresses : XXXXXXXX XXXX XXXX XXXXXXXX, FL XXXX Wrong Address XXXX XXXXXXXX XXXX XXXX, NJ XXXX Wrong Address Inaccurate Account Information : Charge-Off Accounts ( Not Recognized / Inaccurate Reporting ) : XXXX XXXX XXXX High Balance : {$10000.00} Date Opened : XX/XX/XXXX Reported as charge-off ; I have no knowledge of this account. 
XXXX XXXX XXXX High Balance : {$1200.00} Date Opened : XX/XX/XXXX Reported as charge-off ; I have no knowledge of this account. 
XXXXXXXX XXXX XXXX XXXXXXXX High Balance : {$3700.00} Date Opened : XX/XX/XXXX Reported as charge-off ; I have no knowledge of this account. 
XXXX XXXX XXXX High Balance : {$4500.00} Date Opened : XX/XX/XXXX Reported as charge-off ; I have no knowledge of this account. 
XXXX XXXX XXXX High Balance : {$6500.00} Date Opened : XX/XX/XXXX Reported as charge-off ; I have no knowledge of this account. 

Late Payment Account ( Inaccurate Reporting ) : XXXX XXXX XXXX XXXXXXXX High Balance : {$32000.00} Date Opened : XX/XX/XXXX Reported as late payment ; this is inaccurate, as I have never made a late payment on this account. 

Hard Inquiries ( Unauthorized ) : XXXX  Dated XX/XX/XXXX Unauthorized Inquiry XXXX XXXX Dated XX/XX/XXXX Unauthorized Inquiry Requested Action : I respectfully request that CFPB ensure TransUnion conducts a proper and lawful reinvestigation under the Fair Credit Reporting Act ( FCRA ), verifies each item listed above, and deletes or corrects any information that can not be verified as accurate and belonging to me. 
I further request a written confirmation of the reinvestigation results and updated credit file once the corrections are completed.

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