vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-11 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Kriya Capital, LLC
State: MO

Complaint narrative:
XXXX i went to XXXX original account holder and they confirmed equipment was returned last summer. I then contacted Credence Resource Management and still refused to follow throw with FCRA guidelines of debt validation of 15 U.S.C. 1692g,15 U.S.C . 1681i1 a1A and 15 U.S.C. 1681eb. account not belonging to me. XXXX XXXX XXXX XXXX XXXX XXXX XXXX account not belonging to me. both companies not able to approve debt validation which confirm above violation of fCRA and I promptly request any inaccuracies be removed and credit score be adjusted within XXXX days or i will seek legal damages and any other service fees for my creditworthiness.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-11 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 am submitting this formal dispute to demand immediate enforcement of my federally protected rights under the Fair Credit Reporting Act ( FCRA ), Gramm-Leach-Bliley Act ( GLBA ), and related federal laws against the systemic negligence and willful noncompliance of Experian, XXXX, and TransUnion . These credit reporting agencies have continuously violated critical provisions such as FCRA 605B, which mandates the blocking of fraudulent information within four business days upon evidence of identity theft ; FCRA 1681b, prohibiting unauthorized inquiries ; and FCRA 1681i ( a ) ( 5 ) ( B ), requiring proper certification and notification before reinsertions of previously deleted items. Their reliance on flawed automated processes, such as e-OSCAR, blatantly disregards their legal obligation under FCRA 1681e ( b ) to ensure maximum possible accuracy in reporting.

Further, the agencies have failed to protect sensitive consumer data as required under GLBA 6801 ( b ) and the Cybersecurity Enhancement Act of 2014, exposing me to identity theft and financial harm. Despite clear evidence, including an FTC identity theft report, these credit bureaus have refused to delete fraudulent accounts, unauthorized inquiries, and unverifiable information from my credit reports, causing ongoing financial damage, emotional distress, and reputational harm. Their negligence represents a systemic failure to safeguard consumer rights, undermining public trust and violating fundamental principles of data privacy and accuracy. 

I demand the CFPB hold these agencies accountable by enforcing federal regulations and requiring the following immediate actions : permanent deletion of all fraudulent accounts and unverifiable data ; removal of unauthorized inquiries ; disclosure of the method of verification for disputed items ; assurance that deleted information will not be reinserted without proper certification ; and compliance with cybersecurity and privacy mandates. Additionally, I seek statutory damages of {$1000.00} per violation under FCRA 1681n, compensation for emotional and financial harm, and assurance of non-recurrence through strict regulatory oversight. 

If these demands are not met, I will escalate this matter through formal complaints to the FTC, DOJ, State Attorney General, and other relevant agencies, as well as pursue civil litigation and engage consumer advocacy organizations and media outlets to expose these systemic violations. I expect the CFPB to act decisively to uphold federal law, protect consumer rights, and restore integrity to the credit reporting system. The continued negligence of these agencies is unacceptable, and immediate corrective action is non-negotiable.

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 2025-04-11 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: WI

Complaint narrative:
YOU ARE IN VIOLATION OF 15 US Code 1681e ( b ) 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.

This letter is a formal complaint that you are reporting inaccurate and incomplete consumer information.

I demand a deletion of all personal identifiable information from my consumer credit report with the exception of ENCLOSED Delete all other addresses, I can not receive mail or any correspondence nor do I have access to any Please delete these inaccurate addresses and names.

I demand my social security number and date of birth be removed from being displayed on the credit file for privacy reasons.

Delete all information in the employer section.

I demand that the following accounts be removed immediately as it's vital to me support my family : It's federal law you report 100 % accurate and verifiable accounts on my consumer report according to 15 US Code 1681e ( b ) Please send an updated credit report once the changes are complete to my contact information listed. 

Sincerely

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-11 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: WI

Complaint narrative:
YOU ARE IN VIOLATION OF 15 US Code 1681e ( b ) 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.

This letter is a formal complaint that you are reporting inaccurate and incomplete consumer information.

I demand a deletion of all personal identifiable information from my consumer credit report with the exception of ENCLOSED Delete all other addresses, I can not receive mail or any correspondence nor do I have access to any Please delete these inaccurate addresses and names.

I demand my social security number and date of birth be removed from being displayed on the credit file for privacy reasons.

Delete all information in the employer section.

I demand that the following accounts be removed immediately as it's vital to me support my family : It's federal law you report 100 % accurate and verifiable accounts on my consumer report according to 15 US Code 1681e ( b ) Please send an updated credit report once the changes are complete to my contact information listed. 

Sincerely

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 2025-04-11 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: PA

Complaint narrative:
Earlier today, I saw that my credit report included some false accounts, and I dont understand how they ended up there. I regularly monitor my credit, but this time I noticed some inconsistencies that came out of nowhere. I attempted to refresh the page, hoping it was just a technical problem, but nothing changed. Because of this, Im asking that the materials I submitted be thoroughly examined to prevent any further concern.

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 2025-04-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Resurgent Capital Services L.P.
State: MN

Complaint narrative:
resolution between you and the business XXXX disputing an invalid account reported by Lvnv funding llc ] ** on my credit report. This account is inaccurate, unverified, and violates the Fair Credit Reporting Act ( FCRA ). Since it does not meet the legal standards for reporting, I request its immediate removal. If the furnisher can not provide proper validation, it must be deleted

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-11 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: GA

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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-04-11 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I began receiving calls from XXXX and XXXX on behalf of Wells Fargo to collect a debt around XX/XX/XXXX. They said they are suing me for attempting to defraud a financial institute and breach of a legal binding contract. This was the first I have heard of this and I asked them to mail me something and they said they already had and that I needed to settle the debt or they would be bringing me to court and they would continue with serving me and it would only make it more expensive because they will also be requested that all of their expenses be covered when they do serve me and bring me to court. As soon as I told her, this seemed like a scam and I needed more information. She began pressuring me and saying that that's fine if that is what I think she is going to proceed with this it will go before a judge to be signed to be serving me and that she won't take money from me then. She refused to send me a letter of any sort to confirm anything she was saying. It is not on my credit report. They have continued to call me call my husband and my father-in-law. They had my father-in-law worried to where he wanted to pay something to prevent them from going after me and I'm concerned they are going to pray on the XXXX  to get their money by threatening his family. They call from different numbers. They also call my house phone. They've threatened to have me served at work as well. I have told them that I would be fine if they serve me because then I will get some sort of paper documentation and that if we do go to court, I am going to request that our phone call be played so they can hear how ridiculous XXXX was being on the phone with me and how she was trying to pressure me into paying something right then and got extremely upset for asking any questions and refused to help explain the charges of anyway, and also said that I could not pay Wells Fargo directly because their company had acquired it. They have referenced XXXX case numbers. XXXX and XXXX. XXXX of the numbers they are calling from are in the screenshots below. They call me by my maiden name, 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
Consumer complaint received 2025-04-11 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Capital One decided I should pay for a used computer which I returned to store after it did not work even for 1 minute!

I purchased a used computer from a company online. It did not turn on after I received it in mail. I contacted the company, a rep said I should mail it in or bring it to the store and they will send it out for service. I driopped it off at store and after a few weeks they said computer is ready so I picked it up and turned it on at the store. It immediately proceeded to install updates and stopped at 2 % while trying to install updates. After freezing up the clerk said to wait if it finishes updating at home and bring it back if there is a problem. It never turned on again, as before. I dropped it off again at the merchant and bought another new comouter there for about same price because I really needed a computer by then. Few weeks later XXXX XXXX XXXX from the company emailed and called saying I should pick up the defective computer. I told them I already bought a new computer and asked for a refund. Company declined to refund and suggested ( by phone and in email ) they will dispose of the computer for me in an environmentally friendly manner while keeping money for BOTH computers ( about {$2700.00} )!! I filed a dispute with Capital One and uploaded pdf files showing company emails saying they have the defective computer and suggesting my only options are to pick it up have them discard it while keeping the money I paid for it and for another computer I bought from them as a replacement for the defective one. Capital One says everything is fine and refused to chargeback merchant for the computer I returned.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I am extremely frustrated with the service Ive received from Citi Bank. Ive been a long-time Citi Credit Card customer , and recently, I saw an ad for their Citi Checking account offer. I decided to open an account and transferred approximately {$30000.00} into it. After receiving and activating the debit card, I was shocked to find that, just after transferring my funds, they locked my account, citing multiple attempts to access it. I never changed my password and had Face ID enabled for mobile access, yet nothing worked.

To make matters worse, I spoke with 10 different Citi Bank representatives, and each of them told me that none of my personal informationlike my SSN or birth datewas linked to the account. Even though they had my mobile number on file, they couldnt send a one-time password to unlock the account. This is beyond frustrating.

It really feels like Citi Bank is intentionally locking people out of their accounts. There are numerous XXXX posts about similar experiences, and its hard to shake the feeling that this is a common issue.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-11 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: DE

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-04-11 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: DE

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-11 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: NJ

Complaint narrative:
Complaint XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX ( XXXX ) XXXX Date : XX/XX/XXXX To Whom It May Concern, I am writing to formally dispute the accuracy of the information listed below on my credit report. The disputed items are inaccurate, outdated, or do not belong to me. Please investigate and delete or correct these entries under my rights provided by the Fair Credit Reporting Act ( FCRA ). 

Enclosed are copies of my identification and proof of address to assist with the investigation. 

Disputed Accounts XXXX & XXXX : XXXX. XXXX XXXX XXXX XXXX XXXX / XXXX XXXX Reason : I do not recall this debt and was never notified. No documentation was provided. Please verify its accuracy or remove it. 

XXXX. XXXX XXXX XXXX XXXX XXXX XXXX Reason : This account is unfamiliar to me. I never had an account with XXXX or XXXXXXXX XXXX 

XXXX. XXXX  XXXX Auto Finance Reason : Account is marked as paid in full but also listed as charged off. Please clarify and remove derogatory remarks. 

XXXX. XXXX XXXX Reason : A XXXX late payment is reported in XX/XX/XXXX, but I made payments on time. Please verify. 

XXXX. XXXX XXXXXXXX XXXX XXXX  Reason : Account shows a history of late payments before it was closed. I paid the loan as agreed. Please remove inaccurate payment history. 

XXXX. XXXX XXXX  XXXX XXXX XXXX XXXX : This loan was paid and closed in good standing. A XXXX late payment is inaccurately reported. 

XXXX. XXXX XXXX XXXX  XXXX : A XXXX late payment in XX/XX/XXXX is reported, but my records show I paid on time. 

XXXX. XXXX  XXXX ( ending in XXXX ) Reason : The account is active, but includes prior delinquencies that were due to billing issues and have since been resolved. Please remove negative history. 

Please complete your investigation and send me written confirmation of the results within XXXX  days. If the items can not be verified, they must be deleted. 
I have made numerous attempts with the credit agencies and my request have been ignored. Please help. I would appreciate your time to look through these for me because at this point, I dont know what to do. Ive tried all I can. Thank you. 
Sincerely, 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 2025-04-11 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 need your help investigating accounts from companies that have inaccurately reported late payments. After reviewing my credit report, I found certain accounts showing late payments that should not be there. There should be no late payment remarks on these accounts. Please remove these remarks and update the accounts to reflect a positive status as agreed.

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 2025-04-11 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: GA

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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other 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 ) 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