vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
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:
I am submitting this complaint to formally request the immediate blocking and deletion of fraudulent information currently appearing on my credit report, in accordance with 15 U.S.C. Section 1681c-2 of the Fair Credit Reporting Act ( FCRA ).

Despite multiple prior disputes and the supporting documentation already provided, this account continues to be reported, which constitutes a violation of federal law.

Enclosed is a copy of my Identity Theft Report issued by the Federal Trade Commission ( FTC Report Number : XXXX ) as evidence of identity theft.

Pursuant to 15 U.S.C. Section 1681c-2, once an identity theft report is received, a credit reporting agency is required to block the disputed information within four ( 4 ) business days. This obligation has not been met.

The account that must be blocked and removed immediately is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This account does not belong to me and is the direct result of identity theft. Other credit reporting agencies have already deleted this account after being unable to verify its legitimacy. Additionally, the furnisher has failed to provide any signed agreement or verifiable documentation for more than 60 days, confirming that this account can not be validated.

Nevertheless, TRANSUNION continues to report this account, knowingly allowing inaccurate and harmful information to remain on my credit file.

This ongoing failure to remove the fraudulent account has resulted in significant financial and personal harm, including credit denials and the inability to pursue essential financial goals such as home ownership.

I respectfully request that the Consumer Financial Protection Bureau review this matter and ensure compliance with federal law by requiring that this fraudulent account be blocked or removed immediately, and that confirmation of such action be provided.

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 — Public record information inaccurate
Company: LEXISNEXIS
State: IL

Complaint narrative:
Pursuant to 15 U.S. code 1681b ( 2 ). A consumer reporting agency may only furnish a consumer report with the written instructions of the consumer to who it relates. I declare that I am a Consumer '' did not give any consent or authorization for anyone to furnish, convey or report any of my consumer information. This is abusive practice pursuant to 15 USC 1692 ( a ) as this is damaging my reputation, causing marital instability, to the loss of jobs and the invasion of my individual privacy.

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: EQUIFAX, INC.
State: GA

Complaint narrative:
I am filing this formal complaint under FCRA 605B ( 15 U.S.C. 1681c-2 ) requesting that [ EQUIFAX ] immediately block and permanently remove multiple fraudulent accounts [ Collections, Charge-Offs, Late Payments, and Hard Inquiries ] that were added to my credit report without my knowledge or authorization. These accounts are the direct result of fraudulent activity, not any legitimate consumer transaction, and I have provided a valid FTC Fraud Report ( Criminal Complaint # XXXX ) along with supporting documentation, including proof that my personal data was compromised in the Equifax data breach.

I request that the following fraudulent items be blocked within 4 business days. I am filing this FTC Identity Theft Affidavit to report XXXX fraudulent account appearing on my consumer FICO Equifax credit report, which I do not recognize and which is the result of identity theft and fraud. This fraudulent account consists of a credit card opened at XXXXXXXX XXXX XXXX on XX/XX/2021 under account number XXXX. It has resulted in multiple fraudulent hard inquiries, collections, and charge-offs appearing on my consumer FICO credit report. This is a formal block request for fraudulent items, and I do not authorize any disputes to be opened without my written authorization. I authorize only the blocking of the aforementioned fraudulent items on my consumer report. 

It is the credit bureaus legal obligation under the FCRA to review and block fraudulent, inaccurate, or incomplete information from a consumers file within four ( 4 ) business days of receiving proper documentation. I am demanding the immediate removal of all fraudulent items, a stop to all related collection activity, and confirmation that this dispute has been escalated for manual investigation, not automated processing. Failure to act in accordance with federal law may result in further legal action to protect my consumer rights.

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: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
XXXX XXXX XXXX also Capitol one credit card show closed when the account was used with out my knowledge and now the cards shows closed n not accurate

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-26 00:00:00
Product: Mortgage — FHA mortgage
Issue: Incorrect information on your report — Account information incorrect
Company: Guild Holdings Company
State: WA

Complaint narrative:
My credit report is showing a 30-day late payment for XX/XX/year> for my mortgage with Guild Mortgage , and this reporting is inaccurate. 

For the XX/XX/year> payment, I used my banks bill-pay service. The payment check was issued and sent on time. I provided Guild Mortgage and the credit bureaus with my bank statement and bill-pay records showing that the check was sent from my account to the company before the due date. 

The check apparently never reached the company. Once I realized the payment had not posted, I cancelled the missing check and submitted a replacement payment online. That payment was made two days after the end of the month, not 30 days late. 

I have filed multiple disputes and contacted Guild Mortgages credit reporting department, repeatedly providing documentation that : The original payment was sent on time, and The delay occurred only because the check was lost, and the final payment was made just two days after month-end Despite this evidence, the company continues to report the account as 30 days late for XX/XX/year>, which is inaccurate and has negatively affected my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Kriya Capital, LLC
State: MD

Complaint narrative:
CREDENCE RESOURCE MANA is falsely reporting on my credit. I have never had any accounts with them. Per my research CREDENCE RESOURCE MANA is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

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 — Account information incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I am submitting this complaint with certainty, not in error. My credit report contains multiple accounts that are not being reported with maximum possible accuracy. These inaccuracies have persisted and continue to negatively impact my credit standing and overall financial well-being. The continued reporting of incorrect information during an already challenging time has caused unnecessary hardship and 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 2025-12-26 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: MD

Complaint narrative:
I am formally disputing the inaccuracies appearing on my credit report, as they are directly harming my financial standing and overall creditworthiness. Despite multiple attempts to address and correct these problems, the same errors continue to reappear. These repeated inaccuracies are negatively affecting my credit score and limiting my ability to secure financial opportunities. 

It is essential that these issues be fully reviewed, investigated, and corrected immediately. If these matters are not resolved promptly, I will have no choice but to pursue legal action for any resulting damages, including seeking compensation for violations of the FCRA and the Fair Debt Collection Practices Act ( FDCPA ).

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: 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: IL

Complaint narrative:
Timeline of Events : Date : XX/XX/year> Location : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Details : Attempted Transaction ( The Disputed Charge ) : I attempted to purchase items at a cashier terminal. I requested to pay in USD. The cashier was unable to process the currency conversion, so I explicitly instructed him to cancel the transaction. 
Crucial Note : I did not sign a receipt, nor did I press the " Approve '' button on the terminal for this specific attempt.

Relocation : A second employee directed me to a nearby register to complete my purchase. 
Item Discrepancy : Due to the cashier change and a tight flight connection, XXXX items ( XXXX XXXX ) from the first attempt were left behind at the first register. I proceeded to the second register with the remaining items only. 
Completed Transaction ( The Valid Charge ) : At the second terminal, I successfully paid for the remaining items. I authorized this transaction via the POC pad. 
The Error : Despite the first transaction being verbally cancelled and never authorized via POC pad, the merchant processed the charge anyway.

Capital Ones process and response : I opened a credit card transaction dispute with Capital One and uploaded all the documentation including the details shared above and the valid charge receipt. I got an email after a few weeks saying the dispute was resolved and when I logged into my credit card account all it said was that the dispute was resolved in the merchants favor and no proof or details were provided. 
My follow-up with Capital One : When I called Capital One, I was told that the merchant had responded to them saying I had received a cash credit for the canceled transaction. I told them that wasnt true and asked them to share the merchant 's response and proof ( e.g. my receipt of the cash transaction ). Capital one refused to share the proof or any documentation on the dispute. Capital one told me I can submit additional documentation but then said I was out of time once I learned the merchants false story, Summary : Capital One did not disclose the dispute response to me in writing and refused to provide proof, yet used it to deny my dispute. Capital One also is also using the excuse of out of time to say this case is now closed.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-12-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
I am submitting this complaint regarding my XXXX credit card account, which is issued by Citibank , N.A . 

My account includes multiple promotional balances, including XXXX deferred interest promotions ( XXXX terms ) and XXXX XXXX major purchase plans. These deferred interest balances require proper payment allocation to avoid retroactive interest charges. 

After reviewing my statements, I discovered that my payments were not being applied in a way that prioritized the deferred interest balances. When I contacted customer service today XX/XX/year>, I spoke with a representative named XXXX ( operator/member ID : XXXX ). 

During this call : The representative stated that customers are no longer able to allocate payments to specific balances. 

He implied that I was responsible for not reviewing my statements sooner and for not adjusting the payment allocation myself. 

When I asked him to explain how I could have allocated payments properly, he indicated that the allocation function no longer appears to be available on the website and that customers must now call to request allocation. 

I advised him that I had called previously when I first opened the account to ensure payments would be applied correctly, and no allocation changes were made at that time. 

This creates an unreasonable situation in which customers are held responsible for a payment allocation process that is no longer accessible online and was not clearly disclosed. As a result, customers are exposed to the risk of deferred and retroactive interest charges due to system limitations and inconsistent guidance from customer service. 

I believe this constitutes an unfair and deceptive practice, as it places the burden on the consumer while benefiting the issuer. 

I am requesting : A full review and correction of how my payments were applied to all promotional balances. 

Written confirmation that no deferred or retroactive interest will be assessed as a result of improper payment allocation. 

A clear written explanation of Citibanks current payment allocation policy for promotional and deferred interest balances. 

Consideration of a goodwill adjustment or account credit due to the significant time spent resolving this issue and the lack of clear, accessible payment allocation options.

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: EQUIFAX, INC.
State: MS

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

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: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I have encountered difficulties accessing my Equifax account and was instructed to send identification documents for verification. Despite providing clear and legible documentation, I am still unable to access my account. This is why I escalated the matter through the CFPB.

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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am deeply troubled by the late payment reflected on my account, as I have always made timely payments. This error is causing unnecessary stress, and I kindly request its immediate removal to accurately reflect my payment history.

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: MOHELA
State: NC

Complaint narrative:
A federal student loan serviced by MOHELA was inaccurately reported as XXXX  days past due for XX/XX/2025. This information is incorrect and does not align with the accounts history or required delinquency timeline. 

The loan was subject to the federal student loan payment pause and subsequent administrative forbearance periods. Based on this status and the absence of billing activity, I reasonably believed the loan remained in deferment or forbearance at the time of the alleged delinquency.

Timeline and Actions Prior to XX/XX/2025 : The account consistently reported On Time payment status on my credit report, including the month immediately preceding the alleged delinquency. 

XXXXXXXX XXXX XXXX I did not receive any billing statements, payment due notices, delinquency warnings, or communication indicating that payments had resumed or that the loan was past due. 

XX/XX/2025 : The account was suddenly reported as XXXX  days late, without any prior reporting of a XXXX or XXXX delinquency. 

A XXXX delinquency in XX/XX/2025 would require missed payments in prior months ; however, those months were reported as On Time. This contradiction demonstrates inaccurate and misleading reporting. 

Company Actions Failed to notify me that the loan had exited forbearance or that payments were due Failed to provide billing statements or delinquency notices Reported delinquency data that conflicts with the accounts prior reporting Resolution Requested I request that the XX/XX/2025 XXXX late payment be corrected to On Time or removed entirely. If the servicer can not verify proper notice or substantiate the delinquency timeline with documentation, the negative mark must be deleted in accordance with the Fair Credit Reporting Act.

Company response to consumer: Untimely response
Consumer complaint received 2025-12-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SECURITY FINANCE CORP
State: TN

Complaint narrative:
I am writing to formally request debt validation for a collection account mentioned in a letter I recently received. Under my rights through the Fair Debt Collection Practices Act ( FDCPA ), I ask that your office provide clear proof that the debt is valid. This should include the name of the original creditor, the amount owed, a full payment record, and proof that I am responsible for this debt. 

I am making this request to ensure the information being reported is accurate and not the result of a mistake, fraud, or confusion. While waiting for proper validation, I ask that you pause all collection activity and reporting related to this account, as allowed by law.

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: FL

Complaint narrative:
I am submitting this follow-up complaint regarding fraudulent information on my credit report that remains unresolved, despite my previous complaint filed 30 days ago. I am disputing this information pursuant to 15 U.S.C. 1681c-2 and again request that the fraudulent/unauthorized accounts listed below be blocked or removed immediately. 
I have attached a copy of my Identity Theft Report issued by the FTC ( FTC REPORT NUMBER : XXXX ) as evidence of my claim. 
Under 15 U.S.C. 1681c-2, credit reporting agencies are required to block any information identified by the consumer as fraudulent within four ( 4 ) business days of receiving an identity theft report. However, despite my prior complaint and multiple attempts to resolve this issue directly with EXPERIAN, the following fraudulent accounts remain on my credit report : XXXX - XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX - XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts are fraudulent and must be blocked immediately. The continued presence of these accounts is severely damaging my creditworthiness and is preventing me from purchasing a home and accessing essential financial services to support my family and economic stability. 
I have requested verification and copies of contracts related to these accounts from the reporting company, but after more than 60 days, I have received no response. Additionally, these accounts have been removed by other credit reporting agencies due to lack of verification, yet EXPERIAN continues to report them as mine without proper validation. 
I respectfully urge the CFPB to intervene and ensure that EXPERIAN complies with federal law by blocking these fraudulent accounts immediately and providing me with confirmation of such action.

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