vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-26 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Kriya Capital, LLC
State: FL

Complaint narrative:
I am a victim of identity theft and am filing this complaint regarding a fraudulent XXXX XXXX XXXX account that is being reported and collected by Credence Resource Management. 

Credence Resource Management is reporting a collection account with a balance of {$4000.00} ( Account XXXX. XXXX ), allegedly opened on XX/XX/year>. I did not open, authorize, or benefit from this account. I never applied for XXXX XXXX XXXX XXXX, did not sign a contract, and did not give consent for any account to be opened in my name. 

I have submitted an official FTC Identity Theft Report ( Report XXXX. XXXX ), which clearly identifies this account as fraudulent. Despite this documentation, Credence Resource Management continues to report and/or attempt to collect this debt, which is inaccurate and unlawful. 

Under the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 / 605B ), once an identity theft report is provided, the furnisher and any credit reporting agency must block the fraudulent information and cease reporting and collection. Continued verification, reporting, or collection of this account violates federal law. 

Credence Resource Management has failed to comply with its obligations under the FCRA and continues to harm me through inaccurate credit reporting and collection activity related to identity theft. 

I am requesting immediate intervention to ensure compliance with federal law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-26 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: PENTAGON FEDERAL CREDIT UNION

Complaint narrative:
Penfed - pentagon federal credit union always wants me to call from XXXX using a nonexistent XXXX number or toll number

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 2025-12-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
On XX/XX/year>, I used my debit card to purchase a XXXX XXXX ticket for my niece ( I am the purchaser and cardholder ; she was the passenger ). The charge was {$1000.00} for XXXX XXXX XXXX XXXX XXXX from XXXX ( XXXX  ) to XXXX XXXX ( XXXX  ). Ticket details : XXXX XXXX, XXXX XXXX 

During this approximately XXXX international flight, the passenger experienced significant service failures that materially reduced the value of what was purchased. The flight crew explicitly instructed the passenger not to recline the seat for the entire duration of the flight, and this restriction was not explained as a confirmed mechanical defect with an alternative accommodation, nor was a reasonable remedy provided. At the same time, the passenger seated behind repeatedly extended their feet into the passengers seating space, and although this was reported to the crew, no effective corrective action was taken. 

These failures had direct, foreseeable consequences on a long-haul flight. The inability to recline and maintain basic personal space eliminated any meaningful ability to rest, forced the passenger to remain upright for essentially the entire flight, and made the experience physically uncomfortable and mentally exhausting for the duration. This was not a minor inconvenience. It substantially diminished the purchased seat experience over a XXXX international itinerary. 

After the flight, I made multiple good-faith attempts to resolve this directly with XXXX through XXXX XXXX and XXXX XXXX  XXXX XXXX did not offer a monetary adjustment back to the original form of payment. Instead, XXXX offered only travel credits/vouchers : {$75.00} on XX/XX/year> and {$50.00} on XX/XX/year>. I declined both because they do not reasonably reflect the loss of the purchased service and because vouchers are not an acceptable substitute for a monetary price adjustment when the purchaser is requesting refund/credit to the original payment method. 

Because XXXX would not provide a reasonable monetary resolution, I escalated the dispute formally. On XX/XX/year>, I sent a certified letter to XXXX XXXX XXXX XXXX XXXX Department XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX IL XXXX, with a copy sent to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX. Preparing, printing, and sending this certified mailing required additional out-of-pocket expense. As of today, XX/XX/year>, XXXX has not provided a substantive response to that certified demand. 

I am attaching the XX/XX/year> certified demand letter and supporting documentation to this complaint. I have retained all relevant records, including the XXXX, XXXX voucher offers, correspondence, and proof of certified mailing.

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 2025-12-26 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  Account # XXXX from XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Oh, XXXX, has violated my rights. 

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 a account without my written instructions!

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 2025-12-26 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: CA

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! 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-26 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Could you verify this entry? Theres a possibility its late and erroneous.

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 2025-12-26 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: FL

Complaint narrative:
I paid off an auto loan and the bank continues to show the account as open, active, and with the original loan balance outstanding. I received a letter from the bank stating the loan was satisfied and paid off XX/XX/year>. I filed a dispute with Experian including the letter from the lender showing the account was paid off and satisfied. Experian sent me an update stating they concluded their 'investigation ', and the lender 'certified ' their data as accurate, keeping the loan active with a balance. I've atatched a copy of the letter rom the lender showing final payment was made and the loan is satisfied.

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 2025-12-26 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: Tribal Lending Enterprise, Inc.
State: WI

Complaint narrative:
A loan was taken out in my name with Ascend Loans and deposited into a bank account that I have never had any affiliation with. I have been dealing with identity theft issues since the beginning of 2025

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 2025-12-26 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: AZ

Complaint narrative:
I have no record of these accounts and request their deletion within 15 days per Fair Credit Reporting Act requirements.

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 2025-12-26 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: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
Could you recheck this entry? It was written late at night.

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 2025-12-26 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: VA

Complaint narrative:
Complaint Summary : I am filing this complaint against Experian, Equifax, TransUnion, and XXXX XXXX XXXX XXXX for violations of the Fair Credit Reporting Act ( 15 U.S.C. 1681e, 1681i, and 1681s-2 ).

Key Violations : False Bankruptcy Reporting A Chapter 13 bankruptcy is being reported in XXXX, VA I have never filed bankruptcy No bureau has produced a certified court record, docket number, or petition Internally Contradictory Mortgage Reporting XXXX reports the account as Paid / Closed Simultaneously reports 150180 day late payments This is a factual impossibility and evidence of unreasonable procedures Failure to Provide Method of Verification Credit bureaus claim items were verified None have provided the method of verification required by 1681i ( a ) ( 7 ) Unauthorized Credit Inquiries Multiple hard inquiries appear without my authorization No permissible purpose has been demonstrated under 1681b Harm Caused : These violations have : Artificially lowered my credit score Prevented access to credit Caused financial and emotional distress

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-26 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: GA

Complaint narrative:
Good day, I am writing to formally dispute theseunauthorized hard inquiriesthat has appeared on my credit report. Upon reviewing my credit report, I noticed thesehard inquiriesthat I did not authorize, and I believe these are result of fraudulent activity.

Thank you for your prompt attention to this matter. I look forward to hearing from you soon regarding the resolution of this dispute.

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 2025-12-26 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: NY

Complaint narrative:
Good day, I am writing to request the removal of the following late payment on my credit report. This is a billing error. I was never late on this payment. I always paid on time in my account is on auto pay. Please update to never late. Im attaching all the necessary documents on this letter.

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 2025-12-26 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: NY

Complaint narrative:
Good day, I am writing to request the removal of the following late payment on my credit report. This is a billing error. I was never late on this payment. I always paid on time in my account is on auto pay. Please update to never late. Im attaching all the necessary documents on this letter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-26 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am submitting this complaint regarding an issue with my credit report that is negatively affecting my financial standing. I have made multiple attempts to resolve this matter directly with the creditor/furnisher, but they have failed to provide an adequate response.

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 2025-12-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2025-12-26 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
These accounts are erroneous and not associated with me ; I request removal within 15 days as required.

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 2025-12-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: U.S. BANCORP
State: IN

Complaint narrative:
US Bank letter received declaring my application for a U.S. Bank XXXX XXXX account was denied. I NEVER APPLIED FOR THIS CARD. Can not get to an associate ( human being ) at that bank to alert 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 non-monetary relief
Consumer complaint received 2025-12-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I affirm that the incorrect late payment notations on my accounts violate 15 USC 1666. I have consistently made my payments on time, and any errors in this reporting are unfair and unlawful.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I assert that the inaccurate late payment remarks on my accounts are a violation of 15 USC 1666. I have consistently made my payments on time, and any discrepancies in this reporting are unjust and illegal.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-26 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem using a debit or ATM card
Company: SOFI TECHNOLOGIES, INC.
State: CA

Complaint narrative:
I have savings account on sofi with and for the last 2 weeks someone has being trying to steal money out this account. 

And today XX/XX/XXXX the money from my sofi account was taken without my consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-26 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: MI

Complaint narrative:
I dispute the late payment and delinquent status currently being reported on my account. These remarks are incorrect and do not reflect my actual payment history or agreed payment terms.

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 2025-12-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I looked at my XXXX, XXXX  XXXX TransUnion credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

And according to 15 USC 1681s-2 they are suppose to 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 2025-12-26 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: EGL US, LLC
State: TX

Complaint narrative:
BMG money keeps calling before XXXX despite me stating not to call during these hours. The last time they did they said " that's with coprorate we don't control that ''. This time they said " so you don't have time to speak about your account right now? '' The latest call happened at XXXX on Friday XX/XX/XXXX. They are calling 4+ times a day. They know I'm working with a debt management company but they say the calls will continue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-26 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: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
I have several accounts that are reporting late payments, but I made the payments on time. I have attached supporting documentation for each account to prove they were not late. I have already disputed these inaccuracies with the credit bureaus and contacted the creditors directly, but the accounts have not been corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 


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

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