vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-17 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: GA

Complaint narrative:
Re : Debt Validation Request & Cease and XXXX XXXX XXXX XXXX Acct XXXX XXXX Balance {$2300.00} Original Creditor : XXXX XXXX XXXX ( as shown on XXXX  ) Dear XXXX  XXXX Department XXXX XXXX dispute the accuracy and ownership of the above-referenced account that you are furnishing to the credit bureaus. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), XXXX XXXX. XXXX, and the Fair Credit Reporting Act ( FCRA ), XXXX XXXX. XXXX & XXXX, I demand full validation of this alleged telecom debt before any further collection activity or credit reporting continues. 
Provide the following documents to validate : Proof of ownership/assignment showing XXXX legal right to collect ( complete chain of title/placement from XXXX & XXXX to XXXX XXXX XXXX 
Original service agreement ( XXXX XXXX XXXX service order ) bearing my name/signature ( or authenticated electronic consent ). 
Itemized billing/ledger from service start through final bill : monthly statements, plan charges, device/line numbers, taxes/fees, late/ETF/collection fees, credits/adjustments, and how the {$2300.00} was calculated. 
Final billing and closure documents ( disconnect date, final bill, any device installment/return fees, notices of acceleration or early termination ). 
Identity link tying me to the service ( service address/phone lines, device XXXX  if applicable, activation records ). 
Georgia XXXX ( licensing/registration ) permitting Credence to collect in my state. 
Evidence of FCRA XXXX ( b ) reinvestigation steps taken upon any CRA dispute and confirmation the tradeline is reported as disputed ( FCRA XXXX ( a ) ( XXXX ) ). 
The Date of First Delinquency ( DOFD ) used for reporting obsolescence and any XXXX of XXXX relied upon in furnishing. 
Cease & Desist XXXX FDCPA XXXX ( c ), XXXX XXXX. XXXX ( c ), cease all communication with me regarding this account except to : ( a ) provide complete validation as requested, or ( b ) confirm in writing that you have deleted the account and ceased collection efforts. 
If you can not validate If you can not produce the above documentation, you must immediately request deletion of this account from XXXX XXXX XXXX XXXX and send me written confirmation. Continuing to furnish or collect an unvalidated, disputed debt violates the FDCPA and FCRA and will be included in my complaint record.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Harvard Collections, LLC
State: IL

Complaint narrative:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX  XXXX XXXX XXXX Date of inquiry : XX/XX/year> XXXX. XXXX XXXX XXXX {$1700.00} Date of account : XX/XX/year> Collection Please block this information from my credit report within XXXX business days, pursuant to section 605C of the Fair Credit Reporting Act Please send me notification of the actions taken. I appreciate your prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-17 00:00:00
Product: Debt or credit management — Mortgage modification or foreclosure avoidance
Issue: Confusing or misleading advertising or marketing — 
Company: SYNCHRONY FINANCIAL
State: OK

Complaint narrative:
I bought furniture worth over {$7000.00} from XXXX Furniture in XXXX The salesperson told me I could get a loan to pay for it. It said I could pay it off in 3 years and it would be automatically deducted from the bank. I had to pay over {$200.00} every month. After 2 years, I paid over {$3000.00}, but my bills still come down to the original purchase price every month. I don't understand why I haven't received any messages or emails. I was being hidden.

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 2025-08-17 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: WV

Complaint narrative:
IDENTITY MIX, SHOWING OLD OR OUTDATED ACCOUNTS, ACCOUNTS SHOWING CLOSED WITHOUT CONSUMER REQUEST, TRANSFERRED INSTALLMENTS SHOWING CLOSED AND MISSING RATING HISTORY, INSTALLMENT STATUS UPDATED TO SHOW NOTHING

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 2025-08-17 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
regarding the deceptive practices related to their 360 " high yield interest '' savings accounts. Capital One misrepresented the 360 Savings account as having one of the nation 's highest interest rates, yet failed to notify accountholders about the superior rates offered by the 360 Performance Savings account. This deliberate obscurity and lack of transparency violated consumer trust and resulted in significant financial losses for many, breaching the Consumer Financial Protection Act and the Truth in Savings Act. I seek redress for the misleading practices and failure to fulfill their advertised promises.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am formally disputing the inaccurate and unauthorized reporting of the following accounts. 
These accounts are the direct result of identity theft and have been illegally reinserted on my credit report without proper verification or notice. 
-- - Accounts in Dispute 1. XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Reported Balance : {$250.00} Date of Last Activity : XX/XX/XXXX Status : Derogatory Collection/Charge-off 2. XXXX XXXX XXXX Account Number : XXXX Reported Balance : {$9300.00} -- - Grounds for Dispute 1. Identity Theft No Authorization I did not authorize or open these accounts. I have no contractual or financial relationship with these furnishers. These are fraudulent accounts resulting from identity theft. Pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), I demand immediate blocking and deletion of these accounts.

2. Factual Inaccuracies Dates reported are fabricated and inconsistent. Balances and payment history are misrepresented. Statuses are reported incorrectly, creating a false and damaging picture of my creditworthiness.

3. Violation of FCRA 1681b No Permissible Purpose The furnishers had no lawful basis to access or report my credit information. This constitutes an impermissible use of my consumer file.

4. Metro 2 Compliance Failures These accounts are not reported according to Metro 2 standards. Missing fields, conflicting Date Opened vs. Date of Last Activity, and incorrect status codes all violate reporting guidelines.

5. Previously Deleted & Illegally Reinserted These items were previously disputed and deleted. Reappearance without proper verification or written notice within 5 business days violates FCRA 611 ( a ) ( 5 ) ( B ).

6. Statutory Time-Barred Accounts These accounts are beyond the statutory reporting peri
od under FCRA 605 ( a ) and should not be included on my consumer file. Continued reporting of obsolete accounts is unlawful.

7. Pattern of Abuse Diversified Adjustment and other furnishers associated with these accounts have a history of CFPB enforcement actions. XXXX continued reporting of unverifiable data makes you complicit in ongoing co

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 2025-08-17 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: DISCOVER BANK
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX, DISCOVER CARD has violated my rights, XXXX U.S.C XXXX Section XXXX A, States I have the right to privacy. 
XXXX XXXX XXXX Section XXXX A, Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions. 
XXXX XXXX XXXX acquisition of location information by debt XXXX. 
I have asked the debt collector to verify the account reported and they never reply and put the account in dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-17 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:
Consumer Reporting Agencies have assumed a vital role in assembling and evaluating consumer credit while knowing there is a need to insure they exercise their grave responsibilities with fairness, impartiality, and a RESPECT for the consumers RIGHT TO PRIVACY.

The banking system is dependent upon fair and accurate credit reporting, and these unfair credit reporting methods undermine my public confidence which is essential to the banking system.

I never gave my expressed, written consent for these consumer reporting agencies to report my information, which violated 15 U.S. Code 1681b ( 2 ) and this leads to an alleged identity theft, which is a violation of 15 U.S. Code 1681c-2. These accounts are not related to any transactions made by me, the consumer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: DISCOVER BANK
State: NV

Complaint narrative:
I tried calling these credit furnishers XXXX XXXX XXXX XXXX. They make it impossible to get an actual person on the line. I have been unsuccessful communicating with these credit furnishers and the creditors about this matter. You can not speak to a live agent with the phone number provided on their website. These accounts listed are not authorized by me. I have attached required documents to block accounts and do not use the normal dispute method. This is Identity theft I submitted required documentation to block accounts. Since these creditors would not remove the fraudulent accounts I have requested the XXXX files for these charged off accounts for tax purposes with the XXXX. I should have received copies since it has been written off by their companies with XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Loan estimate or other related disclosures
Company: RESCO, INC.
State: HI

Complaint narrative:
Dear all, My name is XXXX XXXX, my address is XXXX XXXXXXXX XXXX XXXX XXXXXXXX, my phone number is XXXX. I am filing a formal complaint regarding the conduct of my assigned mortgage broker for the purchase of XXXX XXXX XXXX, XXXX XXXXXXXX ( XXXX XXXX XXXX, XXXX ). 

Background * On XX/XX/XXXX, I received a Conditional Approval Letter from XXXX XXXXXXXX XXXX XXXX XXXX XXXX, which clearly capped my loan at 6.125 % interest with combined loan fees not to exceed 2.25 % and required cash to close not to exceed {$25000.00}. 
* Despite this, my broker presented loan options at 6.875 % and 7.000 %, with XXXX discount points and inflated closing costs showing cash from borrower at {$29000.00} to {$35000.00}, well above the banks approved maximum. 

Misconduct by Lender Loan Officer/Broker : XXXX XXXX XXXX XXXX : XXXX * Email : XXXX Broker/Lender Company : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Team XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX. Misrepresentation of Loan Terms : XXXX presented rates and fees that contradicted the banks official approval. They dont send any documents or information about the program but only tell us to choose the XXXX to lower the rate without any explanation. 
2. Excessive and Improper Fees : Added discount points that were not required by the bank.

3. Wrong Process : Broker communicated disclosures only to my co-borrower ( XXXX XXXX ), and not to the primary borrower ( XXXX XXXX ), creating a serious lack of transparency in purpose.

Requested Action * Investigate whether this lender violated Hawaii mortgage lending laws and licensing requirements.

* I have a deadline to send document to closing date by XX/XX/XXXX but delays can push me to a position that I will lost the house and the deposit.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-17 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: VA

Complaint narrative:
Upon reviewing my credit report, I identified the following errors and violations of FCRA reporting requirements : Conflicting Status Reporting : The account is marked as open while simultaneously reporting 180 days past due for multiple consecutive months ( XX/XX/XXXX XX/XX/XXXX ). Under the Metro 2 reporting standards, a debt can not simultaneously be reported as open and severely delinquent at the same time without charge-off notation.

Improper Delinquency Layering : The history shows overlapping 30, 60, 90, 120, 150, and 180-day late statuses within short timeframes, which misrepresents the accounts true payment status and inflates derogatory reporting in violation of FCRA 1681s-2 ( a ) ( 1 ) ( A ).

Inconsistent Balance & Payment Application : Despite payments ( including a {$1100.00} payment on XX/XX/XXXX ), the balance increased from {$8700.00} ( XX/XX/XXXX ) to {$9500.00} ( XX/XX/XXXX ). This discrepancy suggests misapplied payments or inaccurate balance reporting, violating FCRA 1681i ( a ) ( failure to maintain accurate records ). 

Incorrect Status Date : The status was last updated XX/XX/XXXX, yet reporting continues with balances/payments as recent as XX/XX/XXXX. The status date must reflect the latest activity to avoid misleading reporting. 

Incomplete Data : The Highest Balance field is blank, despite an original balance of {$9100.00}. This omission violates FCRA 1681e ( b ) which mandates credit bureaus to maintain complete and accurate information.

LEGAL BASIS FOR DISPUTE FCRA 602 ( 15 U.S.C. 1681 ) : Requires credit reporting agencies to ensure maximum possible accuracy of information. 

FCRA 611 ( 15 U.S.C. 1681i ) : Mandates reinvestigation of disputed information within 30 days.

FCRA 623 ( 15 U.S.C. 1681s-2 ) : Prohibits furnishers of information ( like XXXX XXXX XXXX XXXX from reporting data they know or should know is inaccurate.

Because these reporting errors misrepresent my creditworthiness, they are damaging my credit profile and creating an unfair portrayal of my financial responsibility. 

REQUEST FOR ACTION Under my rights granted by the Fair Credit Reporting Act, I formally request that : The bureaus conduct an immediate reinvestigation of this account. 
XXXX XXXX XXXX validate and correct all reporting errors, including status, balance, delinquency history, and missing fields. 
All inaccurate, unverifiable, or incomplete information be corrected or permanently deleted from my credit file within 30 days, per FCRA 611.

A copy of this letter is being sent to the Consumer Financial Protection Bureau ( CFPB ) for record and oversight.

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 2025-08-17 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: CO

Complaint narrative:
I am requesting the permanent deletion of all fraudulent accounts and inquiries listed below, which were reported as a result of identity theft : Fraudulent Inquiries : XXXX. XXXX XXXX XXXX XXXX Date of inquiry : XXXX XXXX. XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX. XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX  Date of inquiry : XX/XX/XXXX Fraudulent Accounts : 5. XXXX Account Number : XXXX 6. XXXX  XXXX Account Number : XXXX XXXX. XXXX Account Number : XXXX XXXX. XXXX Account Number : XXXX 9. XXXX XXXX XXXX XXXX Account Number : XXXX In accordance with 15 U.S.C. 1681c-2, these identity theftrelated items must be blocked within 4 business days of receiving valid documentation. I have already provided my FTC Identity Theft Report, government-issued ID, Social Security card , and proof of address.

As resolution, I expect : Immediate removal of all fraudulent accounts and inquiries.

Blocking of all identity theft information under FCRA requirements. 

A corrected, updated credit report issued to me. 

Written confirmation of deletions and blocks.

Failure to comply will result in escalation to the CFPB, FTC, State Attorneys General, and potential legal action for statutory damages under FCRA 616.

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 2025-08-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
Upon reviewing my credit report, I identified the following errors and violations of FCRA reporting requirements : Conflicting Status Reporting : The account is marked as open while simultaneously reporting 180 days past due for multiple consecutive months ( XX/XX/XXXX XX/XX/XXXX ). Under the Metro 2 reporting standards, a debt can not simultaneously be reported as open and severely delinquent at the same time without charge-off notation.

Improper Delinquency Layering : The history shows overlapping 30, 60, 90, 120, 150, and 180-day late statuses within short timeframes, which misrepresents the accounts true payment status and inflates derogatory reporting in violation of FCRA 1681s-2 ( a ) ( 1 ) ( A ).

Inconsistent Balance & Payment Application : Despite payments ( including a {$1100.00} payment on XX/XX/XXXX ), the balance increased from {$8700.00} ( XX/XX/XXXX ) to {$9500.00} ( XX/XX/XXXX ). This discrepancy suggests misapplied payments or inaccurate balance reporting, violating FCRA 1681i ( a ) ( failure to maintain accurate records ). 

Incorrect Status Date : The status was last updated XX/XX/XXXX, yet reporting continues with balances/payments as recent as XX/XX/XXXX. The status date must reflect the latest activity to avoid misleading reporting. 

Incomplete Data : The Highest Balance field is blank, despite an original balance of {$9100.00}. This omission violates FCRA 1681e ( b ) which mandates credit bureaus to maintain complete and accurate information.

LEGAL BASIS FOR DISPUTE FCRA 602 ( 15 U.S.C. 1681 ) : Requires credit reporting agencies to ensure maximum possible accuracy of information. 

FCRA 611 ( 15 U.S.C. 1681i ) : Mandates reinvestigation of disputed information within 30 days.

FCRA 623 ( 15 U.S.C. 1681s-2 ) : Prohibits furnishers of information ( like XXXX XXXX XXXX XXXX from reporting data they know or should know is inaccurate.

Because these reporting errors misrepresent my creditworthiness, they are damaging my credit profile and creating an unfair portrayal of my financial responsibility. 

REQUEST FOR ACTION Under my rights granted by the Fair Credit Reporting Act, I formally request that : The bureaus conduct an immediate reinvestigation of this account. 
XXXX XXXX XXXX validate and correct all reporting errors, including status, balance, delinquency history, and missing fields. 
All inaccurate, unverifiable, or incomplete information be corrected or permanently deleted from my credit file within 30 days, per FCRA 611.

A copy of this letter is being sent to the Consumer Financial Protection Bureau ( CFPB ) for record and oversight.

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