vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-07 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: PA

Complaint narrative:
Request for Debt Validation and Deletion FCRA 623 & FDCPA 809 ( b ) Dear Credence Resource Management, I am formally requesting validation of the alleged XXXX XXXX XXXX debt you have reported on my credit file for {$98.00}, showing an open date of XX/XX/year>. 

Under the Fair Debt Collection Practices Act 809 ( b ) and the Fair Credit Reporting Act 623 ( a ) ( 1 ), you are required to provide complete verification before continuing collection or credit reporting.

Please provide the following within 30 days : 1. Proof that you are authorized by XXXX XXXX XXXX XXXXo collect or have purchased this account. 
XXXX. The original signed agreement or contract establishing my obligation. 
XXXX. An itemized accounting showing how the balance of {$98.00} was calculated. 
XXXX. The original date of first delinquency ( DOFD ) reported by XXXX XXXX XXXX. 

This account currently appears as Open Placed for Collection, which is inaccurate under XXXX XXXX reporting standards. Collection accounts must be reported as closed once placed. 
Reporting an XX/XX/year> open date also constitutes illegal re-aging under FCRA 605 ( a ) and 607 ( b ), since it falsely extends the seven-year reporting period. 

Until valid documentation is provided, you must cease all collection efforts and credit reporting. 
If you can not fully verify the debt, I demand immediate deletion of this account from all consumer reporting agencies ( XXXX XXXX XXXX XXXX as required by FCRA 623 ( a ) ( 1 ) ( A ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am disputing the continued presence of a fraud alert on my credit report. I no longer need this alert, and I did not authorize it to remain on my file. There are no active issues or fraudulent activities on my account, and this alert is now outdated. The continued reporting of this fraud alert is causing unnecessary restrictions and delays in my credit applications.

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 2025-10-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am disputing the continued presence of a fraud alert on my credit report. I no longer need this alert, and I did not authorize it to remain on my file. There are no active issues or fraudulent activities on my account, and this alert is now outdated. The continued reporting of this fraud alert is causing unnecessary restrictions and delays in my credit applications.

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 2025-10-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I told wells Fargo to reopen my business credit card they closed it for no reason I have tried to get this issue resolved several times they close my personal and business checking account and credit card which cause my credit score to sync which cost me to have a mental breakdown I feel like it was a form of racial profiling because I know other people in other races who had a FICO score less than me and they issued them more of a credit let me do to the new ranking laws I should be issued a new credit card and my business credit account should be open in the history should be replaced I had a mental breakdown because of this issue and almost became homeless and I am not able to get a car or apartment I am requesting compensation I attached a lot of documents that is proof of the claim

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 2025-10-07 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: GFS II, LLC
State: OH

Complaint narrative:
Breach of contract : Gateway Financial Services ( GFS ) failed to do what the contract requires ( went to municipal court rather than go to arbitrate ), it is a breach of contract. 

Failure to arbitrate. going to court when the contract mandates arbitration is a failure to comply with this clause. 

Arbitration clause valid in contract GFS sued in municipal court and cased got dismissed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-07 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: TX

Complaint narrative:
I am submitting this complaint regarding multiple inaccuracies on my credit report that violate my rights under the Fair Credit Reporting Act ( FCRA ). My report contains inaccurate addresses, including XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX TX XXXX XXXX none XXXX which are associated with me. Additionally, my report reflects a late closed account from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX showing a {$0.00} balance inaccurately reported as delinquent, several charge-offs including XXXX XXXX {$17000.00}, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and a repossession from XXXX XXXX XXXX XXXX * {$0.00} XXXX XXXX all of which are inaccurate, unverifiable, or misreported.

These reporting errors violate FCRA 607 ( b ) [ 15 U.S.C. 1681e ( b ) ], requiring credit reporting agencies to maintain maximum possible accuracy ; FCRA 611 [ 15 U.S.C. 1681i ], which provides my right to dispute inaccurate information and mandates a reasonable reinvestigation ; and FCRA 623 ( a ) ( 1 ) ( A ) [ 15 U.S.C. 1681s-2 ], which prohibits furnishers from reporting information they know or have reason to believe is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-07 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: TX

Complaint narrative:
I am submitting this complaint regarding multiple inaccuracies on my credit report that violate my rights under the Fair Credit Reporting Act ( FCRA ). My report contains inaccurate addresses, including XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX TX XXXX XXXX none XXXX which are associated with me. Additionally, my report reflects a late closed account from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX showing a {$0.00} balance inaccurately reported as delinquent, several charge-offs including XXXX XXXX {$17000.00}, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and a repossession from XXXX XXXX XXXX XXXX * {$0.00} XXXX XXXX all of which are inaccurate, unverifiable, or misreported.

These reporting errors violate FCRA 607 ( b ) [ 15 U.S.C. 1681e ( b ) ], requiring credit reporting agencies to maintain maximum possible accuracy ; FCRA 611 [ 15 U.S.C. 1681i ], which provides my right to dispute inaccurate information and mandates a reasonable reinvestigation ; and FCRA 623 ( a ) ( 1 ) ( A ) [ 15 U.S.C. 1681s-2 ], which prohibits furnishers from reporting information they know or have reason to believe is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-07 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: NV

Complaint narrative:
These entries are incorrect and do not accurately reflect my actual payment history. I have made multiple attempts to get these discrepancies investigated and corrected, yet no meaningful action has been taken. Despite providing all necessary documentation and following up several times, these errors remain unresolved. This ongoing issue has caused financial stress and has taken a serious toll on my well-being. Dealing with these inaccurate entries has been frustrating and exhausting. Under the Fair Credit Reporting Act ( FCRA ), I have the right to a credit report that accurately represents my financial history. This includes the prompt correction of outdated or incorrect information. I urge you to take immediate action to update or remove these late payment entries, as failing to do so is a direct violation of my rights under federal law. I appreciate your prompt attention to this matter and expect a resolution as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Im extremely frustrated to see that the unauthorized inquiries are still showing on my credit report this morning. I urgently need you to review all the documents Ive submitted so this issue can finally be resolved and I no longer have to deal with this stress.

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 2025-10-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: Exeter Finance, LLC.
State: CA

Complaint narrative:
Complaint filed by XXXX XXXX XXXX, XXXX, as authorized representative of XXXX XXXX under attached assignment/authorization agreement. This is a formal complaint against EXETER FIN a data furnisher to the national credit reporting agencies, for their violation of the Fair Credit Reporting Act ( FCRA ), specifically 1681s-2 ( b ). I previously submitted a dispute challenging the accuracy and completeness of the tradeline they reported. Despite being notified through the credit reporting agency, the furnisher failed to : Conduct a proper reinvestigation, Review documentation I provided, Correct or delete inaccurate or unverifiable information, And provide a clear method of verification or result of reinvestigation. Instead, they verified the data as accurate without providing any proof or validation, a clear violation of their duties under the FCRA. Key Violations : XXXX15 U.S.C. 1681s-2 ( b ) ( 1 ) ( A ) ( D ) : Failure to conduct a reasonable investigation and correct information when notified of a dispute. XXXX15 U.S.C.

1681i ( a ) ( 6 ) ( B ) ( iii ) : Failure to provide me with the name and contact information of the party who verified the information. XXXX15 U.S.C. 1681e ( b ) : Reporting inaccurate information without maintaining procedures for accuracy. EXETER FIN XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-07 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Application denied
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
Hello, This complaint is regarding my experience with the pre-approval process through Synchrony Bank for a line of credit to be used at the XXXX store. I am a XXXX XXXX XXXX female with a credit score over XXXX. 

This evening, I applied for a Synchrony Bank line of credit to purchase a XXXX couch. I decided to apply as opposed to my husband, as I have a higher credit score and we have joint accounts. My pre-approval was denied, and I was informed that I would receive a letter detailing why in the mail. 

Immediately following, my husband applied for the same line of credit amount, the same terms, and with the same financial information. The only difference between our applications was that I have a higher credit score, and he is male. He was approved for the line of credit. I am concerned that I was denied based on my gender and not based on my credit profile. 

Thank you for your attention to this matter.

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 2025-10-07 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC
State: CA

Complaint narrative:
I am writing to formally express my concerns regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-07 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: TX

Complaint narrative:
I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the Equifax, Experian, and Transunion data breach.

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 2025-10-07 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: PA

Complaint narrative:
My account shows late payments with XXXX when my account is on time!

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 2025-10-07 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: NC

Complaint narrative:
I am submitting to formally dispute inaccurate and inconsistent information being reported on my credit file concerning XXXX XXXX XXXX  ( Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX After reviewing my report, I found multiple discrepancies between your records and the other major credit bureaus that do not accurately reflect my payment history or account details. 
XXXX XXXX XXXX XXXXXXXX Balance {$11000.00} These inconsistencies misrepresent my payment history and unfairly harm my credit profile. I have maintained regular and timely payments with this creditor, and such errors are unacceptable. Therefore, I am requesting a full reinvestigation and immediate correction of any inaccurate data.

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 2025-10-07 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: TX

Complaint narrative:
I am submitting this complaint to dispute multiple inaccuracies appearing on my credit report that are causing harm to my credit standing and misrepresenting my financial history. My credit file lists an inaccurate name and address, accounts and inquiries. 
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 Balance Owed : {$0.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX : {$0.00XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$160.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$2100.00} XXXX XXXX XXXX XXXX XXXX Balance Owed : {$3800.00} XXXX XXXX XXXX XXXXXXXXXXXX XXXX  Balance Owed : {$3800.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Failure to correct these inaccuracies constitutes a violation of my rights under the FCRA 602 ( A ), 607 ( B ), 611 ( A ), and 623 ( A ). I respectfully request that all unverifiable or erroneous information be deleted from my credit report immediately and that a corrected report be issued to all credit bureaus.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-07 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: TX

Complaint narrative:
I am submitting this complaint to dispute multiple inaccuracies appearing on my credit report that are causing harm to my credit standing and misrepresenting my financial history. My credit file lists an inaccurate name and address, accounts and inquiries. 
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 Balance Owed : {$0.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX : {$0.00XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$160.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$2100.00} XXXX XXXX XXXX XXXX XXXX Balance Owed : {$3800.00} XXXX XXXX XXXX XXXXXXXXXXXX XXXX  Balance Owed : {$3800.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Failure to correct these inaccuracies constitutes a violation of my rights under the FCRA 602 ( A ), 607 ( B ), 611 ( A ), and 623 ( A ). I respectfully request that all unverifiable or erroneous information be deleted from my credit report immediately and that a corrected report be issued to all credit bureaus.

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 2025-10-07 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: FL

Complaint narrative:
Recently, I took the time to carefully review my credit reports, and I was alarmed to discover numerous inaccuracies that do not reflect my actual financial history. I have always prioritized paying my obligations on time, yet the way some accounts are being reported is inconsistent, misleading, and in several cases unverifiable. I am submitting this dispute under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and I request a thorough reinvestigation of the following items. 
XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$65.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$1200.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$560.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ 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