vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-16 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Kriya Capital, LLC
State: TX

Complaint narrative:
I have received calls from Credence Resource Management from the number XXXX and they used false names and false accents and were attempting to collect a debt from XXXX. I fully understand what they are doing if it is true and am now contacting XXXX to deal with it directly but when I asked for a verification letter of the debt collection just to insure its not a scam, they repeatedly told me your debt is going to be affected. They had me speak with a XXXX XXXX XXXX ( very obviously a fake name ) and he was really pushing me to pay right now. I told him I wanted to wait for the verification and he said if I waited he cant stop it from affecting my credit. He pushed over and over that it was going to affect my credit if i don't get it dealt with right now. He offered me a lower pay out amount than the total balance and that was completely okay with me but when i said I wanted to wait for the verification he kept saying than it will be too late and it will be affecting my credit at any moment and he's just trying to make me make the right decision. They sent the mail to an old address allegedly and he did not want to permit me the time to receive the letter. He got more and more aggressive no matter how much i told him i did not feel comfortable with that and saying he didn't understand my speculation when I explained that what he is doing is exactly what every scammer does. He continued to threaten my credit and made me feel highly attacked.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-16 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 have no association with the mentioned creditors and never approved this inquiry. Please delete it at once.

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 2025-10-16 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report. 

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the XXXX, Experian, and XXXX data breaches, which heightens my concern regarding the security and handling of my personal information.

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 2025-10-16 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Collection Professionals, Inc.
State: MT

Complaint narrative:
This letter serves as my formal demand for deletion of the above-referenced account from all credit reporting databases. 

Pursuant to my prior written request for validation, Collection Professional failed to provide verification or documentation substantiating the alleged debt within the 31-day period allowed under the Fair Debt Collection Practices Act ( FDCPA ) 809 ( b ). The failure to verify constitutes a violation of federal law, and any continued reporting of this account as accurate or collectible is unlawful and misleading under 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) and 1681i ( a ) ( 5 ) ( A ) of the Fair Credit Reporting Act ( FCRA ).

The original creditor listed as XXXX XXXX XXXX XXXX has not verified or revalidated this alleged obligation. Therefore, I demand immediate deletion of this unverified collection account from your records to comply with FCRA reinvestigation standards. 

Continued publication of inaccurate or unverifiable information after notice of dispute may result in civil liability under 15 U.S.C. 1681n and 1681o, as well as {$1000.00} statutory damages per violation and attorneys fees if litigation becomes necessary.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-16 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: FL

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXX XXXX XXXX ] Account Number : [ XXXXXXXX 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 2025-10-16 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: Paypal Holdings, Inc
State: NY

Complaint narrative:
Chronological Statement Refund Denied by XXXX XXXX XXXX : PayPal Holdings , Inc. 
Related Transaction : Payment to XXXX for lodging ( Reservation Code XXXX, {$850.00} USD ) Payment Method : XXXX card linked to PayPal account Payment Date : XX/XX/year>XXXX  Chronology of Events XXXX. Reservation and Payment : On XX/XX/year>, I paid approximately {$850.00} USD through PayPal, using my XXXX  XXXX, for XXXX  reservation XXXX, covering the period of XX/XX/year>. 

2. Arrival at the Property ( XX/XX/year> ) : Upon arrival, I found that the property did not match the description listed on XXXX. 
The accommodation was not private, but shared with permanent tenants, which was not clearly disclosed in the listing. 
The property showed poor cleanliness and unsafe conditions, making it unsuitable and unsafe for my family. 

XXXX. Communication with XXXX  ( XX/XX/year> ) : From XX/XX/XXXX through XX/XX/XXXX, I contacted XXXX  customer support multiple times per day to report these issues. 
I explained the false description, lack of safety, and misleading information. 
XXXX acknowledged receiving my communications and evidence ( photos and listing details ). 
Despite this, XXXX ultimately refused to issue a refund, claiming that the host had a no-refund policy, even though the stay was not used. 

XXXX. Dispute with PayPal ( XX/XX/year>XXXX  ) : I filed a formal dispute with PayPal under the reason service not as described. 
I submitted supporting evidence, including photos, screenshots of conversations, and the propertys original listing. 
PayPal closed the case without refund, stating that XXXX did not violate its terms. 
I requested a review by a senior agent, but after review, PayPal again denied the claim. 

5. Current Situation : I am currently without a refund of {$850.00} USD, despite the following facts : The service was not used, The property was misrepresented, and The conditions were unsafe and unsuitable. 

I have exhausted all resolution channels with both XXXX and PayPal, without a fair or compliant outcome under consumer protection standards. 



Reason for Filing with the CFPB I respectfully request the CFPB to : 1. Review PayPals handling of this case, as I believe the company failed to properly apply its Buyer Protection Policy.

2. Investigate whether PayPal and XXXX are complying with U.S. consumer protection requirements, given that they denied a refund in a situation where the service was not provided as described.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: LEXISNEXIS
State: AL

Complaint narrative:
I am writing to request a security freeze on my credit report in accordance with my rightsXXXX  under the Fair Credit Reporting Act ( FCRA ). This freeze is necessary as I am currently disputing inaccurate information on my credit file and want to ensure the security and accuracy of my report during this process

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-16 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: MO

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 explanation
Consumer complaint received 2025-10-16 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: CA

Complaint narrative:
ACCORDING TO 15 USC 1681I - EXPERIAN, EQUIFAX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

XXXX XXXX XXXX ( Original Creditor : XXXX ) # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX UNAUTHORIZED INQUIRIES XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish any account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
Had fraud on my account 3 different time through my job got another checking from a different bank and got a new checking at chase bank. Had fraud on the XXXX XXXX XXXXXXXX got the run around the hole time. People would tell me to go to chase bank and open a new account cause my account was compromised go and do it they tell me I cant do it. Well it was back and forth the hole time till last friday XX/XX/XXXX they told me i could go and I went Saturday open a new account they set everything up then today XX/XX/XXXX they tell me I cant have a bank account with them and closing my account they will send a letter telling me why. I had fraud on my account and I didn't do nothing wrong but did everything they told me to do. I had just got money out of my XXXX had it deposited into that account before the fraud happened that money was for my XXXX. And to live on till I went back to work. I told the banker that and got XXXX out went and paid the hospital then I had to pay more and some bill I XXXX  myself XXXX to fish paying the hospital and my bills. Im really upset cause I did everything they told me to do and now I cant bank with them. When the fraud happening had 2 other accounts saving and a checking and checking was XXXX $ was trying to pay it but they restricted my account and some kind of way I was XXXX in my savings they explained it to me I had it set up to be taking out of my new account tomorrow on XX/XX/XXXX. They did it on the XXXX so it would give it time to transfer into my new account But today they told me all my account where getting close. I dont get it im really hurt by this I did nothing wrong. I reported the problem called everyday to find out what was going on. When I got fraudulent activities on my account it was for a game i used to play but haven't play in a long time they told me it went through XXXX  I have a XXXX  account but dont use it.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
I contacted capital one on XX/XX/year>XXXX  because they did not release the lien on my mother 's car after it had been paid off ( she passed and as a part of the estate process and for insurance purposes I need to have the title transferred to me ). I spoke with 3 different people. The last said they would send the release of lien. They sent an account status letter which is not the documentation that I need. My perspective it seems malicious considering that the person I spoke with mentioned the release of lien.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-16 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: CBC Companies, Inc.
State: VA

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
On XX/XX/XXXX, I was approved for a 3-month trial mortgage modification plan with Wells Fargo . I paid the modified amount every month. After the third month, I called for an update and was told to continue paying the modified amount and to keep submitting pay stubs. I did this consistently faxing pay stubs monthly and calling to confirm receipt and ask for updates. 
Each time, I was told my account was still under review. This continued for nearly a year. In or around XX/XX/XXXX, Wells Fargo informed me that I did not qualify for a permanent modification and demanded repayment of the difference between my original mortgage payment and the modified amount I had been paying. I had no way to pay that amount. 
In XXXX, Wells Fargo initiated and completed foreclosure on the property. One or two years ago, I received a {$200.00} check from Wells Fargo stating that a review of my mortgage account revealed wrongdoing. I recently learned about the CFPBs XXXX enforcement action against Wells Fargo, which includes compensation for denied permanent modifications after extended trial periods and wrongful foreclosures. I am trying to find out if my case is included in that settlement.

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 2025-10-16 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: NY

Complaint narrative:
Dear Equifax I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : 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 2025-10-16 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: GA

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and am requesting their removal.

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 2025-10-16 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: FL

Complaint narrative:
Dear Equifax I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT 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 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 2025-10-16 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 filing this formal complaint against the following credit reporting agencies and/or creditors for failing to properly investigate and remove fraudulent accounts that are the result of identity theft. I have previously submitted disputes and attached copies of my FTC Identity Theft Report, photo ID, and proof of address to the credit bureaus. Despite doing so, the accounts remain on my credit file, causing ongoing harm to my creditworthiness and financial well-being. Under the Fair Credit Reporting Act ( FCRA ) Section 605B, I am entitled to have all information related to identity theft blocked from my credit report within 4 business days after providing proper documentation. The bureaus failure to comply violates my federal rights. 

Please see below for details : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-16 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: PA

Complaint narrative:
Dear TransUnion I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : 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

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 2025-10-16 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: SC

Complaint narrative:
I have submitted multiple formal dispute letters to TRANSUNION LLC Consumer Dispute Center. 
regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, TRANSUNION LLC Consumer Dispute Center. continues to willfully report inaccurate data in violation of FCRA 15 U.S.C. 1681e ( b ), 1681i, and FDCPA 1692e and 1692f. I have exhausted all attempts to resolve this matter directly with the credit bureau. I now request the CFPB to investigate and enforce compliance.

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 2025-10-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
MIDLAND CREDIT MANAGEM is falsely reporting on my credit. I have never had any accounts with them. Per my research MIDLAND CREDIT MANAGEM is a debt collector. They are falsely reporting on my credit!! Account number 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