vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-06 00:00:00
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Kriya Capital, LLC
State: MD

Complaint narrative:
This company is trying to contact my relatives and give them the impression I am in legal trouble or some sort of litigation. They are falsely trying to use these scare tactics, and this is very upsetting to me. This company is clearing violating the Fair Debt Collection Practices Act and I wish this scare tactics stop and decease and to stop contacting any persons, they believe are my family members. This is harassment and this goes beyond what they can do as far as communication. I have disputed this debt XXXX times and they keep reporting this debt on my credit report as new debt. They keep changing the initial date of the debt as recent or current.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-05 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:
A month ago, I filed a complaint with these Bureaus, but the incorrect information on my report is still there. To my surprise, I haven't heard back from them, and they've already closed my complaint. Can you clarify why they closed it without addressing the issue? Did they even look into my dispute? I need to know that they have properly investigated the inaccuracies on my report and confirmed the accounts. Could you share how they went about verifying my report?

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 2025-07-06 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Fee problem
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: CA

Complaint narrative:
Complaint Regarding Misleading Savings Account Promotion To the Consumer Financial Protection Bureau ( CFPB ), I am filing a complaint regarding a misleading promotional offer by HSBC for a XXXX XXXX XXXX Account. 

Issue Summary In XX/XX/year>2025, HSBC advertised a 3.60 % APY promotion for qualifying customers who made $ XXXX in payments to an HSBC credit card. I fulfilled this requirement by transferring {$510.00} from my XXXX XXXX Account to my HSBC credit card on XXXX XXXX. According to their promotion, as long as I transferred over {$500.00} to pay my credit card in XXXX, I would receive the 3.6 % interest rate in XXXX. However, HSBC later denied the promotional rate, stating the payment had to originate from a linked checking accounta condition not prominently disclosed in the offer. 

Key Problems Deceptive Presentation : The promotions main materials highlighted the 3.60 % APY and spending requirement but buried the " linked checking account '' rule in fine print. 

Consumer Harm : Had this condition been clear, I would have structured payments differently. The lack of transparency cost me the higher interest rate for XX/XX/year>. 

No Resolution : I contacted HSBC on XXXX XX/XX/year>, but received no response or corrective action. 

I urge the CFPB to investigate this practice and ensure HSBC complies with fair advertising standards.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-06 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:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/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 2025-07-06 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: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Texas XXXX XXXX ( XXXX ) XXXX XX/XX/year> Consumer Financial Protection Bureau XXXX. XXXX XXXX Washington XXXX DC XXXX Subject : Identity Theft Dispute Under XXXX U.S.C. XXXX Request for Blocking of Fraudulent Information Dear Consumer Financial Protection Bureau XXXX XXXX am writing to formally submit a complaint and dispute fraudulent information appearing on my consumer credit file, as permitted under XXXX U.S.C. XXXX. I am a victim of identity theft, and despite notifying the relevant credit reporting agencies and creditors, certain information derived from the identity theft remains uncorrected or unblocked. 

In accordance with XXXX U.S.C. XXXX, I am requesting the blocking of all information resulting from the identity theft. I have provided the following documentation : XXXX. A copy of a valid government-issued photo identification ; XXXX. Proof of residence ( e.g., utility bill or lease agreement ) ; XXXX. A copy of the identity theft report I filed with [ e.g., local police department or FTC XXXX ], XX/XX/year> XXXX. A written statement identifying the fraudulent accounts or transactions that resulted from the identity theft and are inaccurately listed in my credit report. 

The accounts in question are as follows : Creditor Name : XXXX XXXX Collect Account Number : XXXX Status : Opened fraudulently, never authorized or initiated by me Creditor Name : XXXX  XXXX Auto Finance Account Number : XXXX Status : Opened fraudulently, never authorized or initiated by me XXXX XXXX XXXX Account Number : XXXX Status : Opened fraudulently, never authorized or initiated by me XXXX XXXX XXXX Account Number : XXXX Status : Opened fraudulently, never authorized or initiated by me XXXX XXXX XXXX Account Number : XXXX Status : Opened fraudulently, never authorized or initiated by me Under XXXX U.SXX/XX/XXXXC. XXXX ( a ), I have the right to request that consumer reporting agencies block the reporting of any information that resulted from identity theft, provided that I have supplied appropriate proof of the identity theft, which I have included herein. 

Despite my previous disputes with [ Experian/Equifax/TransUnion or the creditor ], the fraudulent data has not been removed or blocked. I request that the CFPB take action to ensure my rights are protected and that these errors are corrected in a timely manner. 

Please confirm receipt of this complaint and advise me of any further steps required. I appreciate your assistance in this urgent matter. 

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 explanation
Consumer complaint received 2025-07-05 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: EQUIFAX, INC.
State: CA

Complaint narrative:
A month ago, I submitted a complaint to these Bureaus, but the incorrect information on my report is still there. I haven't heard back from them, aside from your notification that the company has replied to my complaint. How can I trust that they've properly investigated the inaccuracies? What steps did they take to verify the accounts? This entire situation is really frustrating, especially since it's been over XXXX days since I filed my complaint.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-05 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: WA

Complaint narrative:
I am formally requesting to dispute the unauthorized and inaccurate information currently appearing on my credit report. After a thorough review of the report. I have identified several significant discrepancies that do not accurately reflect my actions or financial history. Specifically, these inaccuracies were made without my consent. I kindly request your investigation and removal of the following items : Inquiries : XXXX XXXX XXXX  XX/XX/year> TransUnion XXXX XXXX XXXX XXXX XX/XX/year> Experian XXXX XX/XX/year> Equifax XXXX XXXX XX/XX/year> TransUnion -- XXXX -- XXXX XXXX XX/XX/year> Experian XXXX XX/XX/year> Equifax XXXX XXXX XX/XX/year> Experian Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Personal Information : Names : XXXX XXXX XXXX XXXX XXXX XXXX Address : XXXX XXXX XXXX, WA XXXX XXXX -- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WA 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 2025-07-06 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: NJ

Complaint narrative:
I am writing to formally dispute certain inaccurate information reported on my credit file by XXXX XXXX XXXX. The account in question is listed under the following details : Account Number : XXXX * * * * Original Creditor : XXXX Bank Current Creditor : XXXX XXXX XXXX Reported Balance : {$440.00} Date Opened : XX/XX/XXXX I believe the following items are inaccurate : XXXX. Account Type XXXX report lists the account type as a Factoring Company Account ( Open Account ), which is incorrect. XXXX XXXX XXXX is a debt buyer, and this misclassification may impact how the account is evaluated by lenders. 
XXXX. Removal Date InconsistencyThe account is scheduled to remain on record until XX/XX/XXXX, according to your report, while Experian indicates it will be removed by XX/XX/XXXX. If the date of first delinquency is the same, the removal date should match across all credit bureaus. 

I respectfully request that you investigate this account and correct the misreported information. Please provide a written confirmation once your investigation is complete and any necessary updates have been made.

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 2025-07-06 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: National Credit Systems,Inc.
State: GA

Complaint narrative:
National Credit Systems XXXX- {$8800.00} My information was involved in the XXXX data breach

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-06 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:
XXXX XXXX XXXX XXXX- {$8800.00} My information was involved in the XXXX data breach

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-06 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 writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2025-07-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Application denials
Company: United Shore Financial Services, LLC
State: ND

Complaint narrative:
I am filing this complaint against United Wholesale Mortgage ( UWM ) due to their failure to provide a fair opportunity for mortgage assistance, mishandling of communication, and disregard for my documentation and hardship circumstances. 

I entered into a forbearance due to a XXXX transplant and subsequent recovery, a major medical hardship. During this time, I was not clearly informed that I would become ineligible for deferral or standard repayment programs after the six-month period ended. Had I been made aware, I would have taken different action earlier. This crucial information was never disclosed in writing, and UWM phone representatives never communicated it clearly in our conversations. 

When I attempted to resolve the situation through their assistance program, UWM failed to request or review income documentation during the original evaluation, resulting in a premature denial. During the appeal, I submitted XXXX pay stub from each of my XXXX jobs, as I had just started working again. I informed UWM in writing that more pay stubs were expected within the next XXXX weeks, and I asked them to wait before making a decision. They ignored this request and closed the appeal before those documents could be submitted. 

In addition, they repeatedly failed to take the necessary XXXX step of registering with the North Dakota XXXX XXXX XXXXXXXX ( XXXX ), despite me forwarding them emails from the state asking them to do so. I called and emailed multiple times and received no response. 

I was also misled during phone calls where representatives failed to explain eligibility cutoffs and options. I believe UWM records these calls and request that the CFPB obtain and review those call logs. 

This entire process has been unnecessarily obstructive and has put me at risk of losing my home not because of lack of effort or income, but because UWM would not communicate clearly, allow time for my documents to be submitted, or take basic steps to support a resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-06 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: GA

Complaint narrative:
i dispute the inaccurate and incomplete information from my credit report from transunion on XX/XX/XXXX-2025 and as of XXXX-2025 i have not heard from them concerning these negative information they are reporting on my credit report.i have attached copies below for your reference and they are reporting inaccurate information concerning the bankruptcy account

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 2025-07-06 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: GA

Complaint narrative:
XXXX XXXX XXXX XXXX- {$8800.00} My information was involved in the XXXX 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 explanation
Consumer complaint received 2025-07-06 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: AL

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGEDORNOT.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-05 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: CAPITAL ONE FINANCIAL CORPORATION
State: TN

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX, TN XXXX Email : XXXX Phone : ( XXXX ) XXXX Date : XX/XX/XXXX To : Capital One XXXX, XXXX XXXX. XXXX XXXX XXXX XXXX XXXX, UT XXXX Phone : ( XXXX ) XXXX RE : Account Number Ending in XXXX Cease and Desist Demand Dear Capital One, I am writing in regard to the above-referenced account ( account number ending in XXXX ), which was reportedly opened on XX/XX/XXXX and closed on XX/XX/XXXX, with a reported balance of {$690.00}. This account is currently marked as charged-off and is being reported to credit bureaus, with an estimated removal date of XX/XX/XXXX. 

This letter serves as a formal cease and desist demand. Under the Fair Debt Collection Practices Act ( FDCPA ), I am invoking my legal right to request that you immediately cease all collection activity and direct communication with me regarding this account. 

Additionally, I dispute the validity and accuracy of this account as it is currently being reported. I request full validation of this alleged debt, including : A complete and itemized payment history A copy of the original signed agreement or contract An explanation of how the current balance was calculated Unless and until such documentation is provided, I demand that you immediately halt all negative credit reporting related to this account in accordance with the Fair Credit Reporting Act ( FCRA ). 

If you continue collection efforts or credit reporting without providing proper validation, such actions will be considered violations of federal law. I will not hesitate to report any such violations to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the Tennessee Office of the Attorney General. 

Please provide written confirmation within 15 days of receipt of this letter that you will cease all collection and reporting activity until the debt is validated. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-06 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: IL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I presume 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 2025-07-06 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: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I am writing to formally dispute inaccurate and damaging information being reported on my credit file by Chase Auto Finance ( JPMorgan Chase ). 

During the XXXX pandemic, I voluntarily surrendered my vehicle to Chase Auto Finance after speaking with a representative who assured me that as long as the vehicle could be resold, I would not be held financially responsible for any remaining balance or fees. Based on this verbal agreement and the financial hardship I was facing at the time, I complied and turned in the vehicle in good faith. 

However, more than XXXX years later, Chase continues to report an outstanding balance of approximately {$9600.00} as a monthly car note payment, which is inaccurate and misleading. This entry appears as a recurring negative account and has severely impacted my ability to obtain reliable transportation, secure housing, and live a stable life. 

This ongoing reporting does not reflect the agreement made at the time of surrender and is an inaccurate representation of my financial behavior. It is unfair, outdated, and deceptive, and I am formally requesting that it be removed or corrected from my credit report under the Fair Credit Reporting Act ( XXXX  ). 
They sent a letter stating I owe, but they sold the truck. The letter they sent versus what is being reported is different. I would like this remove. I asked for a letter on what they were charging me for if the vehicle was sold and they never responded.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-06 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: FL

Complaint narrative:
I filed a dispute with Equifax regarding the XXXX XXXX XXXX account ( Confirmation # XXXX ). I provided irrefutable evidence : a court order from XXXX XXXX, FL ( Case # XXXX ) that legally sets the account balance at {$2100.00}. 

On XX/XX/year>, Equifax completed its " reinvestigation '' and chose to completely ignore the legal court order. They " verified '' an incorrect balance of {$2600.00}. 

This constitutes a negligent reinvestigation and a willful violation of my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i, which requires a reasonable investigation. Verifying information that directly contradicts a court order is, by definition, unreasonable. I have been harmed by this inaccurate reporting.

Company response to consumer: Closed with non-monetary relief