vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-13 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:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-13 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: National Credit Systems,Inc.
State: TX

Complaint narrative:
National Credit Systems is reporting an unverified and inaccurate account on my credit report. This company is attempting to collect a debt that is not owed. At no time have I received proper validation of this account, proof of their legal right to collect it, or any documentation bearing my signature. 

Under FDCPA 809 ( b ) [ 15 U.S.C. 1692g ( b ) ], collection activity must cease until proper verification is provided. This has not occurred. Additionally, the account is beyond the statute of limitations in Texas, and the original creditor has already been paid a settlement. The balance reported by National Credit Systems is inflated and does not match the original creditors records.

This violates FCRA 1681e ( b ), which requires furnishers to ensure information is reported with maximum possible accuracy. Continuing to report an unverified and inaccurate account is a clear violation of my consumer rights.

I am requesting that the CFPB require the immediate removal of this account from all credit bureaus. If it is not removed, I will be pursuing legal action against National Credit Systems for violations of the FDCPA and FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-13 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: FL

Complaint narrative:
Under the FDCPA and FCRA, verification is not just a name matchit is a sworn affidavit or certified statement of truth. Per 15 U.S.C. 1681n, your continued reporting without proper verification is willful noncompliance.

I demand proof of delivery of the initial dunning letter within 14 days of placing this account on my credit report, including a certified mail tracking number. If you can not provide this, you must delete this tradeline immediately and cease all collection activity, including reporting. 

I never had an account with XXXX XXXX, and you are neither the original creditor nor a valid assignee. Debt buyers are not creditors under the law. 

This account is still within the federal debt validation window, per XXXX. Failure to comply will result in further action to seek justice for the harm caused.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-13 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
On XX/XX/XXXX, NATIONAL CREDIT SYSTEM of XXXX, GA filed a debt of {$840.00} as in collections on my mother 's ( XXXX XXXX ) credit report without any written notice. This debt stems from an apartment rental with XXXX XXXX she consigned on with me for XXXX. The apartment complex claims this debt is from damage beyond normal wear and tear to the apartment. 

We had been previously contacted about this debt in XXXX of XXXX by XXXX XXXX XXXX XXXX of XXXX, TX. We contacted this previous debt collection agency and provided information that : 1. ) The apartment complex made no attempt to contact us regarding the debt prior to employing the services of a debt collection agency.

2. ) Showed that the damage claimed by the apartment complex had existed prior to our move-in, with metadata on both photos and documents proving that they were created prior to our move-in. 

The previous debt collection agency removed the collections from credit reports and made no further attempts to collect.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I AM FORMALLY REQUESTING THE IMMEDIATE REMOVAL OF THE FRAUDULENT ACCOUNTS CURRENTLY LISTED ON MY CREDIT REPORT. I DID NOT AUTHORIZE THESE ACCOUNTS, AND THEIR INCLUSION REPRESENTS A SERIOUS BREACH OF MY PERSONAL AND FINANCIAL SECURITY. THESE ENTRIES ARE FALSE AND INACCURATE, AND THEIR PRESENCE IS DAMAGING TO THE INTEGRITY OF MY CREDIT FILE. I URGE YOU TO TAKE IMMEDIATE CORRECTIVE ACTION BY PERMANENTLY DELETING THESE ACCOUNTS FROM MY REPORT TO ENSURE ITS ACCURACY, COMPLETENESS, AND COMPLIANCE WITH THE FAIR CREDIT REPORTING ACT ( FCRA ).

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 2025-08-13 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: Kriya Capital, LLC
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XX/XX/year> Via Certified Mail Return Receipt Requested To : Credence Resource Management , LLC XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX  XXXX RE : Formal Dispute and Cease & Desist Account # XXXX To Whom It May Concern : This letter serves as a formal dispute under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681 et seq. and a cease and desist demand under the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692c ( c ).

I dispute the validity, accuracy, and completeness of the alleged account referenced above, which you are reporting to XXXX as a collection for {$1200.00} with XXXX XXXX XXXX as the original creditor. 

Specific Legal Grounds for Dispute : Unverifiable Information Under FCRA 1681i ( a ), you must conduct a reasonable investigation and provide documentary evidence from the original creditor proving the validity of this debt. No such verification has been provided to me. 

Incomplete & Inaccurate Reporting The tradeline omits critical dates, payment history accuracy, and original account documentation required under FCRA 1681e ( b ).

Outdated Reporting FCRA 1681c ( a ) ( 4 ) prohibits reporting accounts beyond the 7-year limit from the date of first delinquency. You must provide the precise date of first delinquency as reported by the original creditor.

Failure to Provide Validation Under FDCPA 809 ( b ) [ 15 U.S.C. 1692g ( b ) ], you are required to provide full validation of the alleged debt, including : Original signed contract or service agreement.

Complete payment history.

Itemized breakdown of the alleged balance.

As this account is disputed and unverifiable at this time, you are legally required to immediately : Delete this tradeline from all credit reporting agencies to comply with FCRA 1681s-2 ( b ). 

Cease all collection activity until full validation is provided. 

Refrain from any further communication except to provide said validation or confirm deletion. 

Failure to comply within 30 days will result in my pursuing all available remedies, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my State Attorney General, as well as considering private legal action for statutory damages under FCRA and FDCPA. 

This is a cease and desist demand you may not contact me by phone, email, or in person regarding this matter. All communications must be in writing to the address listed above. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-13 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
Re : Urgent Complaint Regarding Unnotified Account Freeze and Withheld Funds Capital One Account Number # XXXX Checking ending in XXXX ( balance {$65.00} ) and XXXX Performance Savings ending in XXXX ( balance {$1100.00} ) Dear Sir/Madam, I am filing this complaint regarding Capital One Banks actions in freezing my account funds, placing my account under internal review, and informing me they have decided to withdraw its business from me as a customer, all without providing any advance notice or explanation. At no time did Capital One send me an email, letter, or make a phone call notifying me of this decision. I maintain full account records and can confirm no communication was issued before my account access was restricted. On XXXX I attempted to use my account and found that my funds were frozen. When I contacted Capital One, I was told the account was under internal review and that I could not make withdrawals. 

The bank has refused to : 1. Provide a written explanation for the closure or review.

2. Give a clear date for when my funds will be released.

3. Provide documentation of any legal or government order requiring the freeze.

This lack of notice and indefinite withholding of funds is causing significant hardship. I rely on these funds for essential living expenses. The absence of communication appears to violate banking and consumer protection regulations requiring notice before closing accounts, except in specific situations involving confirmed fraud or law enforcement holds.

I am requesting your office : Investigate Capital Ones handling of this matter and its failure to notify me. 
Require the bank to provide a full written explanation for the closure and review. 
Ensure my funds are released promptly unless a valid, documented legal hold exists. 

I am prepared to provide documentation showing the absence of any closure notice and copies of my communications with Capital One. I request urgent assistance due to the ongoing financial impact. 

Sincerely, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX Phone : XXXX / XXXX Email : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-13 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 2025-08-13 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Excess mileage, damage, or wear fees, or other problem after the lease is finished
Company: CIG FINANCIAL LLC
State: MD

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute the charges listed on my account for my XXXX XXXXXXXX XXXX XXXX, as shown in the attached breakdown of charges. I purchased the XXXX XXXX XXXX XXXX XXXX, as well as both the Exterior and Interior Protection warranties at the time of leasing the vehicle. All services related to tire wear, exterior damages, and interior issues should be covered under these warranties. Specific Concerns : Excessively Worn or Mismatched Tires ( {$1600.00} ) : This charge should be fully covered under my Tire and Rim Protection warranty. Exterior Damages or Excess Wear ( {$700.00} ) : I have the Exterior Protection warranty, which is intended to cover these types of damages. Mechanical Problems or Excess Wear ( {$750.00} ) : If these issues fall under the coverage of my purchased warranties, they should not be my responsibility. Request for Resolution : Please review my account and the attached documentation of my warranties. I request that all charges related to covered services be removed from my final bill, as these repairs and replacements should be processed under my active warranty agreements. If additional documentation is required, I am happy to provide proof of my warranty purchases and any service records needed for verification. Thank you for your prompt attention to this matter. I expect a timely resolution and an updated statement reflecting the removal of these charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-13 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: NJ

Complaint narrative:
I'm writing to bestow my XXXX concerning the tested records on my credit report. On various occasions, I have raised the issue of errors in these records, and have reliably referred to that they be completely broke down. Regardless of what my endeavors, I eventually can't get any goal or supportive development. These misguided records are really harming my credit file and hindering my capacity to go on with an ordinary life. The disagreeable results of these slip-ups have caused huge difficulties for me, and I'm left with no decision beside to battle for your help with surveying what's going on quickly. I generously demand that you direct a wary evaluation concerning the vital of these tested records. It is fundamental that the chief pushes are taken to restore and amend my credit report immediately. With your assistance, I need to reestablish the accuracy and reliability of my credit record so I could recuperate command over my cash related achievement. 
I truly demand that you offer this matter your generally preposterous idea and make a quick move. Your help and moving in settling this issue rapidly would be exceptionally critical. Much appreciation to you right off the bat for your insight and help.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-13 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:
XXXX'Subject: Formal Dispute & Request for Deletion Under FCRA  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXTo Whom It May Concern,XXXXThis letter serves as a formal dispute and request for deletion of inaccurate and fraudulent information appearing in my consumer reports with Equifax, Experian, and TransUnion. These items remain in my file despite prior disputes and the submission of FTC identity theft reports and supporting documentationXXXX FCRA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX you are required to investigate, block, and delete all disputed accounts that cannot be verified with original signed agreements, complete payment histories, and a documented chain of custody.XXXXAdditionally, under FCRA  XXXX XXXX XXXX XXXX I request the legally permissible purpose for all hard and soft inquiries listed below. If you cannot provide a valid legal reason and documentation, you must delete these inquiries immediately.XXXXDisputed Furnisher Accounts & XXXX  Certified Tracking Numbers\XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXIdentity Theft & Block RequestXXXXPursuant to FCRA  XXXX XXXX XXXX XXXXXXXX I demand that you immediately block all information resulting from identity theft that I have reported through the attached FTC Identity Theft Reports, including but not limited to the above-listed accounts.XXXXYou are also instructed to permanently remove from my credit file:XXXXAll phone numbers do not belong to me.XXXXAll employer listings are not authorized by me.XXXXAny names other than my full legal name: XXXX XXXX XXXXRequired ActionXXXXYou must:XXXXDelete all inaccurate, unverifiable, and fraudulent accounts.XXXXBlock all identity theftrelated entries under FCRA XXXXRemove unauthorized inquiries that lack a permissible purpose under FCRA  XXXX  Provide an updated credit report confirming the deletions.XXXXProvide a detailed description of each investigative step taken per FCRA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-13 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: VA

Complaint narrative:
On or around XX/XX/XXXX of XXXX  I ordered a copy of my yearly consumer report. Upon going through my report I noticed utilization of my credit cards being reported. Per the FCRA 15 USC 6801-6802 not only is it illegal to report transaction history I also have the right to opt out of any and all authorizations I the consumer may have giving, written and unwritten verbal and nonverbal per 15 USC 6802. from any and all financial institutions. I contacted all parties involved to see if the matter can be rectified but I was not helped in this matter. So today I am filing a complaint with the CFPB in hopes that you can help me resolve this matter. The parties involved are Transunion, Experian, Equifax, XXXX  XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX. Enclosed are the letters sent out providing additional details about the situation.

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 2025-08-13 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: VA

Complaint narrative:
On or around XX/XX/XXXX of XXXX  I ordered a copy of my yearly consumer report. Upon going through my report I noticed utilization of my credit cards being reported. Per the FCRA 15 USC 6801-6802 not only is it illegal to report transaction history I also have the right to opt out of any and all authorizations I the consumer may have giving, written and unwritten verbal and nonverbal per 15 USC 6802. from any and all financial institutions. I contacted all parties involved to see if the matter can be rectified but I was not helped in this matter. So today I am filing a complaint with the CFPB in hopes that you can help me resolve this matter. The parties involved are Transunion, Experian, Equifax, XXXX  XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX. Enclosed are the letters sent out providing additional details about the situation.

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 2025-08-13 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: CA

Complaint narrative:
I RECENTLY CHECKED MY CREDIT REPORT AND NOTICED FRAUDULENT ACCOUNTS AND FRAUDULENT INQUIREIES ON MY REPORT. ( ACCOUNTS ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( INQUIRIES ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX H I RECENTLY CHECKED MY CREDIT REPORT AND NOTICED FRAUDULENT INQUIRIES ON MY REPORT. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-13 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 RECENTLY CHECKED MY CREDIT REPORT AND NOTICED FRAUDULENT ACCOUNTS AND FRAUDULENT INQUIREIES ON MY REPORT. ( ACCOUNTS ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( INQUIRIES ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX H I RECENTLY CHECKED MY CREDIT REPORT AND NOTICED FRAUDULENT INQUIRIES ON MY REPORT. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-08-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Chime Financial Inc
State: TX

Complaint narrative:
I had a Chime pre paid credit card when I had a chime account u stopped using both then found out after applying for credit that Chime pre paid credit card was reporting late payments non payments which is impossible if the money isnt on the card it can not be used period. So all the late payments hurt my credit they are still hurting my credit because they stay on there for 7 years. Ive called Chime Ive disputed it numerous times with credit bureaus and its still affecting my credit and thats the only late payments I have on my credit the only one. That one company and XXXX late charges has cost me more money in interest buying other things. I have no other options

Company response to consumer: Closed with explanation