vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-22 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: TX

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-22 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 had no prior knowledge of these fraudulent accounts, which I did not open ; kindly remove them from my credit report within 15 days as stipulated by USC 1681g.

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 2025-07-22 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: SYNCHRONY FINANCIAL
State: PR

Complaint narrative:
XXXX XXXX a purchase was make to XXXX XXXX my XXXX  account. I cancelled it and change the email of my XXXX account. Then i call XXXX  and informed the problem. I received and email to the account that was linked to XXXX asking for money and threatened me from a hacker. I call XXXX  to ask for help because now i can not access my XXXX  account. they retired all my credit card and bank info from my XXXX  account but still I have a saving account with them and I can not access it. through the XXXX  week of XXXX I send documents to them to confirm my identity. They ask me to create a new account for them to transfer my money but it did not happened. on XX/XX/XXXX i received messages that someone are adding the hacked email account to XXXX  and moving the money from the saving account to XXXX  funds. I call again to XXXX  to notify that they again gave access to the XXXX  to my money because i was not the one that move the money because still i can not see it. The told me that in fact they don't know how are to account with the same email but they can give me access to the one with the money. I prove my identity to them, they can verify that the deposits made to the saving account were from my bank in XXXX XXXX but they refuse to give me my money back. The continue to give access to the XXXX  without problems to my money. They even ask me to don't call again until they call me back. But that was what they told me before and then the XXXX  start moving my money again. I need help. i don't trust XXXX  company. Also in the account with the money the XXXX  incredibly change some of my info and they let them.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-22 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:
I am updating a late payment that is currently being reported on my credit report as " open '' or unresolved. This entry is inaccurate and misleading. I have either already resolved the payment, or I was never late as claimed. The continued reporting of this item as open and delinquent is a violation of the Fair Credit Reporting Act ( FCRA ), particularly 15 U.S.C. 1681e ( b ), which requires consumer reporting agencies to maintain maximum possible accuracy of the information they report.

This misreporting has negatively impacted my credit score and may hinder my ability to obtain credit or employment. I am requesting an immediate investigation into this matter, as well as a correction or deletion of the inaccurate late payment record if it can not be verified.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-22 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: CA

Complaint narrative:
I submitted a formal dispute to the credit bureau, along with all documentation required under federal lawincluding a valid Identity Theft Report, proof of identity, and a written request pursuant to FCRA 605Bseeking the prompt removal of fraudulent information from my credit report. Despite full compliance with these statutory requirements, the bureau failed to block the disputed information within the four-business-day period mandated by law. I respectfully request that the CFPB investigate this clear violation of the Fair Credit Reporting Act and take appropriate enforcement action to ensure the permanent deletion of the fraudulent data. Enclosed are copies of my dispute letter and all supporting documentation for your review.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-22 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: CA

Complaint narrative:
I am updating a late payment that is currently being reported on my credit report as " open '' or unresolved. This entry is inaccurate and misleading. I have either already resolved the payment, or I was never late as claimed. The continued reporting of this item as open and delinquent is a violation of the Fair Credit Reporting Act ( FCRA ), particularly 15 U.S.C. 1681e ( b ), which requires consumer reporting agencies to maintain maximum possible accuracy of the information they report.

This misreporting has negatively impacted my credit score and may hinder my ability to obtain credit or employment. I am requesting an immediate investigation into this matter, as well as a correction or deletion of the inaccurate late payment record if it can not be verified.

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 2025-07-22 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: NJ

Complaint narrative:
THESE ACCOUNTS DO NOT BELONG TO ME AND ARE NEGATIVELY IMPACTING MY CREDIT REPUTATION. PLEASE REMOVE THEM FROM MY CREDIT REPORT, AS THEY ARE A RESULT OF IDENTITY THEFT. 

XXXX XXXX  # XXXX XX/XX/year> -- {$6800.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-22 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Keynote Consulting, Inc.
State: TX

Complaint narrative:
I recently discovered a Derogatory Trade Account being reported by Keynote Consulting on my credit report. I have never done business with this company, I was never notified of any legitimate debt owed to them, and I have not given them permission to collect or store my personal information. I believe this account is being wrongfully reported, and I demand immediate removal and a full investigation.

Keynote Consulting is now contacting me by phone and email, attempting to collect a debt I was never made aware of. They are also reporting negative information to the credit bureaus, which has directly caused my credit score to drop, damaging my ability to get housing, financing, and stability. 


Keynote has not provided proof of debt, original creditor details, or any signed agreement showing that I consented to this debt being collected or reported by them. Under 15 U.S. Code 1692g ( Fair Debt Collection Practices Act - FDCPA ), I have the right to demand full validation of any debt within 30 days of initial contact, which I never even received properly. 

If this is a medical, utility, or any form of charged-off account, I demand proof of : The original creditor The amount owed with a breakdown The date of last payment Proof of assignment or purchase of the debt by Keynote I never gave Keynote permission to collect or store my private information. Under 15 U.S. Code 1681b ( FCRA - Permissible Purpose ), a company can not legally access or report my credit information without a lawful and specific purpose. If I signed anything authorizing this show me the document. If you dont have it, this is a clear violation of the Fair Credit Reporting Act ( FCRA ) and possibly unauthorized third-party disclosure. 

Furthermore, under 1692c ( FDCPA ), debt collectors are prohibited from contacting consumers without consent at inconvenient times or by harassing means. I have received unsolicited phone calls and emails, and I did not authorize any contact or opt-in to any relationship with this company. 

My credit score has dropped due to this false derogatory tradeline. 

I have experienced emotional distress, anxiety, and confusion. 

This collection is being reported without full legal proof or consent. 

I am being contacted repeatedly without validation of any legitimate debt.

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 2025-07-22 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: Kriya Capital, LLC
State: CA

Complaint narrative:
I am reporting Credence Resource Management for attempting to collect a debt I do not owe. I never received any written notice or debt validation as required under XXXX XXXX Code XXXX ( FDCPA ). They are reporting a {$380.00} XXXX XXXX XXXX collection account to XXXX  without providing proof of ownership or contractual obligation. I requested validation and received no documentation. This is a violation of my consumer rights under the FDCPA and FCRA. I am requesting immediate deletion of this account from my credit report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-22 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: SC

Complaint narrative:
I have noticed that a company called XXXX XXXX XXXX XXXX has reported on my credit report, and I have not authorized this company. I have no knowledge of agreeing to any terms with them or opening any type of credit on my behalf. Additionally, I do not have any knowledge of opening credit with XXXX XXXX XXXX. I have disputed these entries, but no action has been taken. I need these companies removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-22 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: Resurgent Capital Services L.P.
State: MO

Complaint narrative:
In accordance with the Fair Credit Reporting Act this creditor violated my rights under XXXX section XXXX states that I have the right to privacy ( XXXX XXXX XXXX ( section XXXX a section XXXX, also states that consumer reporting agency can not furnish an account without my written instructions under XXXX USCS XXXX a creditor XXXX not treat a payment on a XXXX  card account under XXXX XXXX XXXX XXXX XXXX XXXX as late for any purpose. Through my rights in accordance with XXXX XXXX code XXXX I did not give written consent to any collection agency to report anything to credit bureau. Furthermore, I dispute the validity of this debt under XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-22 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: NM

Complaint narrative:
In accordance with the Fair Credit Reporting Act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 15 U.S.C. 1681, section 602 ( A ), states that I have the right to privacy.

15 U.S.C. 1681, section 604 ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction.

15 U.S.C. 1681c ( a ) ( 5 ), section states : No consumer reporting agency may include in any consumer report any adverse item of information, other than records of convictions of crimes, which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) states : A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-22 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: NM

Complaint narrative:
In accordance with the Fair Credit Reporting Act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 15 U.S.C. 1681, section 602 ( A ), states that I have the right to privacy.

15 U.S.C. 1681, section 604 ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction.

15 U.S.C. 1681c ( a ) ( 5 ), section states : No consumer reporting agency may include in any consumer report any adverse item of information, other than records of convictions of crimes, which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) states : A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
I attempted to transfer {$1500.00} from my Citi XXXX  card starting on XX/XX/year>. I was told there was a system issue and to call back later. Since then, I have made multiple calls and followed all instructions. On XX/XX/XXXX, I was told I needed to speak to the XXXX  department, then told I was not qualified to speak with them and denied a clear explanation. 

I submitted a negative survey about the poor service, and I now believe my request has been stalled or denied without reason. Ive seen reports of this happening to others as well. 

XXXX asking Citi to either : Complete the balance transfer of {$1500.00} Or provide a written explanation for the denial. 

Id also like the CFPB to review how Citi handles balance transfer denials and communicates with consumers. 

Step XXXX : What would you like the company to do?

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 2025-07-22 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: AZ

Complaint narrative:
I was unaware of the existence of these accounts and did not open them ; please ensure they are removed from my credit file within XXXX  days in line with XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-22 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: NM

Complaint narrative:
In accordance with the Fair Credit Reporting Act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 15 U.S.C. 1681, section 602 ( A ), states that I have the right to privacy.

15 U.S.C. 1681, section 604 ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction.

15 U.S.C. 1681c ( a ) ( 5 ), section states : No consumer reporting agency may include in any consumer report any adverse item of information, other than records of convictions of crimes, which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) states : A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-22 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:
According to the law XXXX XXXX XXXX it is illegal to report anything on my credit report without my knowledge. Please remove this inaccurate account off of my credit report. Account XXXX # XXXX XXXX XXXX  # : XXXX XXXX # : XXXX Thank you.

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 2025-07-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WV

Complaint narrative:
Capital One restricted my card due to a fraudulent payment from an account I do not recognize. Ive told them multiple times I do not own that account and that my Capital One account was hacked. They keep asking for proof of an account I never had and are refusing to help resolve or escalate my case.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
On XX/XX/XXXX I requested in writing the following address be removed from Equifax, XXXX XXXX XXXX XXXX  XXXX XXXX, CA XXXX because I have never lived in California. Equifax has failed to remove it from my record. 

I also requested XXXX  inquires from XXXX be removed from Transunion, Experian and Equifax because XXXX did not authorize any credit inquires. The XXXX XXXX XXXX failed to remove the inquiries.

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 2025-07-22 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: CA

Complaint narrative:
Ive recently discovered several late payment notations on my credit report that are completely false, and I want to make it clear that I will not tolerate these inaccuracies being used to misjudge my financial character. These harmful entries are dragging down my credit score, affecting my access to opportunities, and putting unnecessary strain on my mental and emotional health. Some of these alleged late payments were in fact made on time, while others may stem from clerical mistakes or internal processing delays that were never communicated to me. 

The Fair Credit Reporting Act requires that every piece of data on a consumer report be factually accurate and verifiable by original documentation. That means if these late payment entries can not be backed up with real, dated billing statements or signed agreements, they should not be reported at all. I am demanding that these entries be immediately corrected or removed, depending on what the documentation proves. If the credit reporting agencies or furnishers continue to ignore this matter, I will interpret that as a willful and deliberate violation of federal lawand respond accordingly. I deserve better, and I will fight until this is made right.

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