vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-26 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: TX

Complaint narrative:
CREDENCE RESOURCE MANA is falsely reporting on my credit. I have never had any accounts with them. Per my research CREDENCE RESOURCE MANA is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-26 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: EQUIFAX, 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 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IA

Complaint narrative:
INACCURATE ACCOUNTS HAVE BEEN REPORTING TO MY CREDIT FILE

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 card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

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: SC

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. 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 XXXX 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: SC

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. 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 XXXX 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 non-monetary relief
Consumer complaint received 2025-08-26 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: CBC Companies, Inc.
State: VA

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 in a word document. 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 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-26 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:
I am submitting this formal complaint against Transunion for their repeated failure to remove unauthorized and fraudulent credit inquiries from my credit report, in direct violation of the Fair Credit Reporting Act ( FCRA ). Despite my prior written dispute and submission of supporting evidenceincluding confirmation from the listed institutions that these inquiries were made in error and should be deletedTransunion has continued to report them. Other credit bureaus have already removed these inquiries, yet Transunions inaction has caused significant XXXX, undermined the accuracy of my credit profile, and subjected me to potential financial harm. This ongoing refusal to comply with FCRA obligations demonstrates a disregard for my rights as a consumer and for the integrity of my credit file. XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX TO Inquiry Date XX/XX/XXXX, XXXX XXXX Inquiry Date XX/XX/XXXX & XXXX XXXX TO Inquiry Date XX/XX/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 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 — Account information incorrect
Company: TD BANK US HOLDING COMPANY
State: CA

Complaint narrative:
Issue : * * Incorrect late payment reporting despite proof of timely mailed payment I purchased a stroller from Target for {$290.00} on XX/XX/year>, and also purchased insurance for {$37.00} on the same day. On XX/XX/year>, I mailed a {$50.00} check payment to Target for my Target credit card balance, as I was going out of town and wanted to ensure my account remained current. This was my first time using the card in over XXXX months, and I have always paid my balances in full. 

On XX/XX/year>, I returned the stroller. I was not given a receipt and was unaware that the refund would exclude the {$37.00} insurance charge. Afterwards, I left town again and was not aware that Target never received the check. Target then reported a late payment on my credit report. 

I contacted my bank, XXXX XXXX XXXXXXXX, and confirmed that the {$50.00} check was never cashed. I have attached a letter from XXXX XXXX XXXXXXXX verifying that the check was mailed on time and never presented for processing, meaning it was lost in the mail a circumstance outside my control. 

Despite my repeated attempts to resolve this with Target, including multiple goodwill requests and providing the XXXX XXXX XXXXXXXX proof, Target has refused to correct the negative reporting. I have otherwise maintained a XXXX balance with Target for over XXXX months since this purchase and have an excellent history of paying my accounts in full and on time. 

This single error has caused a drop of approximately XXXX points in my credit score, severely harming my financial reputation and opportunities. I believe it is unfair and a bad business practice for Target to refuse to correct this issue when I can clearly demonstrate I made the effort to pay on time. 

* * Requested Resolution : * * I am requesting that Target remove the late payment remark from my credit report and update the account to reflect paid as agreed/current, as the missed posting was due to a lost check and not a failure to pay. 

Ive attached Targets policy for the returns and I made the return before 90 days to be refunded the full amount including insurance.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-08-26 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: NV

Complaint narrative:
I'm feeling overwhelmed and deeply concerned. These accounts and inquiries showing up on my credit report are not mine. I've been a victim of identity theft, and this situation is completely out of my control. It's not just numbers on a reportit 's affecting my daily life, my peace of mind, and creating stress within my personal and family life. I never authorized any of this activity, and I'm genuinely struggling with the emotional and practical impact of this fraud. I urgently ask that all these fraudulent items be BLOCKED AND REMOVED from my credit file, including the following accounts : 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 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 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 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 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 I never requested these and I need them gone permanently. Please help me correct my file so I can start healing and move forward.

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 2025-08-26 00:00:00
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Oliphant United, Inc.
State: NY

Complaint narrative:
I am responding to the message from XXXX XXXX regarding the alleged debt connected to a loan originated by XXXX XXXX 

they have stated last payment on this account occurred in XX/XX/XXXXXXXX Under New York law, the statute of limitations for collection on this type of obligation is six ( 6 ) years. That period has expired as of XX/XX/XXXXXXXX 

Any further attempt to collect or misrepresent the legal enforceability of this account may constitute a violation of the Fair Debt Collection Practices Act ( FDCPA ) and applicable New York State consumer protection laws. 

I am requesting that Oliphant USA immediately cease contacting me on collection efforts regarding this time-barred account and refrain from any future contact or reporting as I have already told them i was a victim of fraud. This message does not acknowledge ownership or liability for any alleged debt and is submitted solely to assert my rights under federal and state law.

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: EQUIFAX, INC.
State: GA

Complaint narrative:
I am exercising my rights under FCRA 611 ( a ) ( 6 ) ( B ( iii ) method of verification XXXX XXXX REPORTED BY EQUIFAX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-26 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
On XX/XX/2025 I zelled myself from Citibank to XXXX at XXXX XXXX. {$300.00}. Citibank took the money from my accounts but never sent to XXXX. I had both banks on a XXXXXXXX  call twice. XXXX stated they never received the funds. I filed two separate investigations with citibank and they stated that they are unable to honor my claim. 

Why should I be out of {$300.00}. if they do a trace they would see the money never arrived at XXXX. 

I would like to file a complaint against Citibank.

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 2025-08-26 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: NY

Complaint narrative:
My profile includes some inaccurate personal information please review the relevant documents that have my correct details.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-26 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: FL

Complaint narrative:
Please remove the fraudulent and suspicious accounts from my credit report, as outlined in the attached documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-26 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I am filing a complaint regarding Bank of America 's handling of my disputes against XXXX. 

I contracted with XXXX XXXX in XX/XX/XXXX for a multi-year legal assistance service to obtain Italian citizenship by descent. The service was ongoing in nature it was not a one-time product purchase but a continuing contractual obligation where the merchant was required to perform over time. Monthly credit card payments to XXXX occurred between XX/XX/XXXX and XX/XX/XXXX. I had no reason to suspect nonperformance during that period because the merchant continued to assure me that work was progressing. 

In XXXX, I discovered that XXXX had failed to perform essential services as promised, provided outdated or irrelevant documentation in response to my requests, and misrepresented the status of my case. At that point, I immediately filed disputes with Bank of America. Bank of America has denied several of my disputes on the grounds that they are outside the XXXX limit. '' The written consulting agreement contains no fixed completion date for the services. The agreement explicitly obligated XXXX to obtain a full set of direct-bloodline vital records ( birth, marriage, death certificate ), yet they failed to provide my grandfather 's birth certificate and other key deliverables. 

I continued communicating with XXXX and making payments through XX/XX/XXXX with the understanding services were still ongoing. In XX/XX/XXXX, I determined per their own communications to clients they would not fulfill the contract and made my final payment. I believe XX/XX/XXXX would be the " expected delivery date, '' under XXXX rules, as I was unaware until their admission in XX/XX/XXXX. I tried to open disputes in XX/XX/XXXX but was told by Bank of America it wasn't possible. I repeatedly contacted Bank of America and a representative, XXXX in Tennessee, told me it would be possible to file disputes because they were all part of a related service contract with a future delivery date, even though I made installment payments. 

Because XXXX 's services were never completed and the contract lacked a specified completion date, I would like this reopened and examined under XXXX rule 13.1. 

I have provided documentation of the continuous service agreement with no specified completion date, installment payments and proof that the service was not delivered when the company determined it could no longer fulfill the contract.

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 2025-08-26 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: AL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Jefferson Capital Systems , LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Re : Request for Debt Validation Account Number XXXX XXXX XXXX XXXX XXXX  To Whom It May Concern, This letter is being sent to you in response to the account you have placed on my credit report under the name JEFFCAPSYS / Jefferson Capital Systems. I am disputing the validity of this alleged debt and requesting full validation in accordance with my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. 

Please be advised of the following : 1. Request for Validation : I request that you provide proper documentation proving that I am legally obligated to pay this debt. This must include, but is not limited to : A copy of the original signed agreement or contract bearing my signature. 

The name and address of the original creditor. 

A complete payment history and accounting of the alleged balance of {$950.00}. 

Proof that your company has legal standing and authorization to collect on this debt. 



2. Cease Collection Activity Until Validation : Under 15 U.S.C. 1692g ( b ), you are required to cease all collection activity, including reporting to credit bureaus, until you have provided proper debt validation.

3. Reporting to Credit Bureaus : If you continue to report this account to any credit reporting agencies without providing proper validation, such action will be considered a violation of the FDCPA and the FCRA. 


4. Notice of Intent : If you fail to properly validate this debt, or if you continue collection efforts without compliance, I will not hesitate to file complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), my State Attorney Generals office, and will consider pursuing legal remedies for violations of federal law. 



This is not a refusal to pay, but a formal notice that your claim is disputed. Please provide the requested documentation within 30 days from receipt of this letter. 

Sincerely, XXXX XXXX XXXX Enclosures : Copy of Drivers License and Social Security Card Proof of Address

Company response to consumer: Closed with explanation