vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-18 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Kriya Capital, LLC
State: VA

Complaint narrative:
I am not liable for this debt with Credenece Resource Management I do not have a contract with Credenece Resource Management. The alleged debt they are trying to assign to me and my credit was not under contract with them and neither was it signed or agreed upon by me to them in any capacity or writing or e-signature. They did not provide me with the original contract. If after reinvestigation under paragraph ( 1 ) of any information disputed by the consumer, an item of the information is found to be incomplete or can not be verified, the consumer reporting agency shall promptly delete that item of information from the file of the consumer, or modify that item as appropriate, based on results of the reinvestigation. Also according to the Fair Credit Reporting Act ( FCRA ) Section 605B. It is illegal to report information on my credit without my permission. Please remove this item from my credit report. They are falsely reporting on my credit that owe them money and they are attempting to collect from me. This is causing a negative effect on my credit and I want this false debt removed from my credit

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-18 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: UT

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 2025-07-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Resurgent Capital Services L.P.
State: MD

Complaint narrative:
tried contacting XXXX  in this matter as well no response XXXX  paid me a check in XX/XX/year> due to their negaliance in not finding the mistake sooner so now my credit is taking a hit because this company is trying to take money not owed I sent them the check from XXXX and also sent my trip cancellation letter and still they want money

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-18 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: FL

Complaint narrative:
XXXX XXXX, XXXX, XX/XX/year>, This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : XXXX - XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX- Incorrect Personal XXXX XXXX XXXX - Incorrect Personal XXXX XXXX XXXX  XXXX XXXX - Incorrect Personal XXXX XXXX XXXX XXXX - Incorrect Personal XXXX XXXX XXXX  XXXX XXXX - Incorrect Personal XXXX - Incorrect Personal XXXX, XXXX, XXXX - Incorrect Personal XXXXXXXX XXXX  XXXX - Incorrect Personal These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint ( FTC NUMBER ) as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2025-07-18 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: IL

Complaint narrative:
I am writing to formally dispute fraudulent activity on my credit report as a victim of identity theft, as protected under the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 ) and the Fair and Accurate Credit Transactions Act ( FACTA ). The following accounts or transactions were opened or reported without my authorization and must be removed immediately : Fraudulent Account ( s ) /Transection : XXXX XXXX XXXX - ACCT # XXXX XXXX XXXX XXXX XXXX XXXX  ACCT # XXXX Unauthorized/ Fraudulent Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX Under 15 U.S.C. 1681c-2, I am requesting that these fraudulent accounts be permanently blocked from my credit report. Additionally, under 15 U.S.C. 1681i, I request an immediate investigation into this matter. I have attached a copy of my Identity Theft Report, as required under the FACTA, along with copies of my government-issued ID and proof of address. 


Furthermore, under 15 U.S.C. 1681s-2, any creditor or data furnisher reporting these fraudulent accounts must be notified that they are the result of identity theft and that they must cease all collection efforts. If this request is not addressed within 30 days, I am prepared to escalate this matter to the Consumer Financial Protection Bureau ( CFPB ) and pursue my rights under federal law. 

Please send me written confirmation once the fraudulent information has been removed. You may contact me if further information is required. 


Thank you for your prompt attention to this serious matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-18 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: IL

Complaint narrative:
I am writing to formally dispute fraudulent activity on my credit report as a victim of identity theft, as protected under the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 ) and the Fair and Accurate Credit Transactions Act ( FACTA ). The following accounts or transactions were opened or reported without my authorization and must be removed immediately : Fraudulent Account ( s ) /Transection : XXXX XXXX XXXX - ACCT # XXXX XXXX XXXX XXXX XXXX XXXX  ACCT # XXXX Unauthorized/ Fraudulent Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX Under 15 U.S.C. 1681c-2, I am requesting that these fraudulent accounts be permanently blocked from my credit report. Additionally, under 15 U.S.C. 1681i, I request an immediate investigation into this matter. I have attached a copy of my Identity Theft Report, as required under the FACTA, along with copies of my government-issued ID and proof of address. 


Furthermore, under 15 U.S.C. 1681s-2, any creditor or data furnisher reporting these fraudulent accounts must be notified that they are the result of identity theft and that they must cease all collection efforts. If this request is not addressed within 30 days, I am prepared to escalate this matter to the Consumer Financial Protection Bureau ( CFPB ) and pursue my rights under federal law. 

Please send me written confirmation once the fraudulent information has been removed. You may contact me if further information is required. 


Thank you for your prompt attention to this serious 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 2025-07-18 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: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
There are fraudulent charge offs being reported on my XXXX  credit report that were the result of identity theft. I wanted them removed

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-18 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: MA

Complaint narrative:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

FRAUDULENT ACCOUNTS : Account Name : XXXX  # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX. # XXXX - Date Opened XX/XX/XXXX UNAUTHORIZED INQUIRIES : 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 2025-07-18 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: NC

Complaint narrative:
This complaint is legitimate and demands immediate attention. My credit report contains inaccurate information that does not meet the required standard of maximum possible accuracy. These errors are causing ongoing harm to my financial standing and personal well-being. 
.

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 2025-07-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SYNCHRONY FINANCIAL
State: OR

Complaint narrative:
I am submitting this complaint against Synchrony Bank / SYNCB JCPenney for furnishing incomplete and inaccurate information to the credit bureaus in violation of the Fair Credit Reporting Act ( FCRA ). 

This account ( last XXXX : XXXX ) is reported as Paid, Closed, yet shows a string of delinquencies from XXXX XXXX XXXX XXXXays between XXXX and XX/XX/XXXX. These are conflicting and misleading entries. A paid account should not reflect unresolved delinquencies unless the tradeline is marked Paid after XXXX or XXXX. 

In addition, the account : Fails to include the final payment date Omits the balance resolution paid in full. 

Was closed by the credit XXXX, yet I never received an adverse action notice required under FCRA 615 ( a ) and ECOA Reg B I request the CFPB to investigate Synchrony Banks furnishing practices and require the following : Verify and correct or delete the tradeline if unverifiable Provide documentation supporting the final account status Confirm whether adverse action notice was issued This reporting is affecting my creditworthiness, and I request assistance enforcing my rights under FCRA 1681e ( b ), 1681s-2, and 1681i.

Account info Account name SYNCB/JCPENNEY Account number XXXX Account type Charge Card Responsibility Individual Date opened XX/XX/XXXX Status Paid, Closed. 
Status updated XX/XX/XXXX Balance - Balance updated - Recent payment - Monthly payment - Credit limit {$140.00} Highest balance {$290.00} Terms - Payment history XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Contact info Phone number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX, PA XXXX Your statement Comment Current : Account closed at credit XXXX 's request. 

Previous : None

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 2025-07-18 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 writing to formally dispute certain information on my credit report that I believe is inaccurate and is negatively impacting my financial well-being. In accordance with the Fair Credit Reporting Act ( FCRA ), I request that you conduct a thorough and timely investigation into these discrepancies. 
It has come to my attention that the Consumer Financial Protection Bureau ( CFPB ) recently filed a lawsuit against Experian for failure to properly investigate consumer disputes, citing practices such as : 1. Inadequate investigations that fail to address consumer disputes adequately 2. Reinsertion of previously disputed and inaccurate information without sufficient explanation 3. Failure to properly notify consumers about the results of investigations These practices, as described by the CFPB, highlight significant concerns about the integrity of credit reporting agencies ' processes and consumer protections. Given these allegations, I am concerned that my dispute may not be handled in a manner that adheres to the legal standards set forth by the FCRA.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-18 00:00:00
Product: Checking or savings account — Savings account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: NAVY FEDERAL CREDIT UNION
State: OH

Complaint narrative:
Navy Federal Credit Union has been charging illegal overdraft fees, including delayed peer-to-peer payments and undisclosed processing times. There was money available for the ACH charge at the time of processing as shown in the screenshots. navy federal is waiting until money is unavailable to take out ACH payment after payment for ACH payment has been processing over 4 days to cause a returned check fee I was charged check fees on these days for the amount of {$29.00} XX/XX/year> {$29.00} XX/XX/year> {$29.00} XX/XX/year> Total of {$87.00} in fees

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am writing to formally request a thorough investigation into the inaccurate reporting of late payments on my credit file related to my XXXXXXXX XXXX  account through XXXX XXXX XXXX. These late payments were reported despite deferment agreements made during a time of hardship caused by XXXX  and subsequent recovery efforts. 

I initially worked with XXXX XXXX XXXX, who approved a payment deferment due to the natural disaster in my region. Once I regained financial stability, I proactively entered into a hardship plan which, at that time, transitioned to XXXXXXXX XXXX I have attempted multiple times to get clarification and resolution from XXXX, requesting that they review the phone calls and agreements confirming the deferments. Instead, they consistently redirected me to use their online messaging system, where my uploaded letters and supporting documentation were removed. 

Despite my efforts, XXXX has failed to appropriately assist or accurately update my account status. They advised me to dispute the items with the credit bureaus. I followed their direction and submitted disputes. TransUnion initially removed the late payments but later re-added them without explanation. Experian failed to conduct a meaningful investigation, even though the payments were agreed to be deferrednot delinquent. 

I believe the root of the issue lies in the transition between departments ( XXXX XXXX and XXXXXXXX XXXX  ) and the lack of continuity in honoring deferment agreements. This mishandling has resulted in ongoing credit damage and stress, despite my good-faith efforts to resolve the matter. 

XXXX XXXX did not honor the federal guidance put in place during XXXX. They reported late payments during the hardship period. 

All three credit bureaus have failed to thoroughly verify the accuracy of the information and cross-check the dates of hardship arrangements. I respectfully request that this matter be escalated and that my account be corrected to reflect the deferred status agreed upon at the timenot a delinquent one.

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 2025-07-19 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: FL

Complaint narrative:
I am writing to formally request a thorough investigation into the inaccurate reporting of late payments on my credit file related to my XXXXXXXX XXXX  account through XXXX XXXX XXXX. These late payments were reported despite deferment agreements made during a time of hardship caused by XXXX  and subsequent recovery efforts. 

I initially worked with XXXX XXXX XXXX, who approved a payment deferment due to the natural disaster in my region. Once I regained financial stability, I proactively entered into a hardship plan which, at that time, transitioned to XXXXXXXX XXXX I have attempted multiple times to get clarification and resolution from XXXX, requesting that they review the phone calls and agreements confirming the deferments. Instead, they consistently redirected me to use their online messaging system, where my uploaded letters and supporting documentation were removed. 

Despite my efforts, XXXX has failed to appropriately assist or accurately update my account status. They advised me to dispute the items with the credit bureaus. I followed their direction and submitted disputes. TransUnion initially removed the late payments but later re-added them without explanation. Experian failed to conduct a meaningful investigation, even though the payments were agreed to be deferrednot delinquent. 

I believe the root of the issue lies in the transition between departments ( XXXX XXXX and XXXXXXXX XXXX  ) and the lack of continuity in honoring deferment agreements. This mishandling has resulted in ongoing credit damage and stress, despite my good-faith efforts to resolve the matter. 

XXXX XXXX did not honor the federal guidance put in place during XXXX. They reported late payments during the hardship period. 

All three credit bureaus have failed to thoroughly verify the accuracy of the information and cross-check the dates of hardship arrangements. I respectfully request that this matter be escalated and that my account be corrected to reflect the deferred status agreed upon at the timenot a delinquent one.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-19 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AK

Complaint narrative:
I got a email from capital one saying they shipped my credit card but they just keep misleading me to different departments they have the most horrible customer service

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
After carefully checking my credit report, I have learned and been shocked that I have been a victim of identity theft, my personal information has been used to apply for a card. I found fraudulent inquiries on my credit report.Please dispute and remove listed fraudulent inquiries from my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( Bank ) XX/XX/2025 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 2025-07-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
This letter is my formal written request for you to investigate the following UNVERIFIED accounts listed below. According to the Fair Credit Reporting Act, 15 U.S. C 1681 your company is required by federal law to verify through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report to assure maximum accuracy.

I demand to see a copy of the Verifiable Proof ( an original Consumer Contract with my signature on it ) that you used to verify that the account belonged to me the first time you reported the account on my credit report. Your failure to properly verify these accounts has hurt my ability to obtain credit. Under the FCRA 15 U.S.C 1681 unverified accounts must be promptly deleted. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fraudulent Inquiries : 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