vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Kriya Capital, LLC
State: IL

Complaint narrative:
Original Creditor : XXXX XXXX  XXXX XXXX Collector Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX Account : XXXX Original balance and date, ( Unknown ) To Whom It May Concern, I am writing to formally notify you that, pursuant to 15 U.S.C. 1692c ( c ) of the Fair Debt Collection Practices Act, you are hereby instructed to CEASE AND DESIST ALL COMMUNICATION with me regarding the above-referenced alleged debt. 



This notice applies to all forms of communication, including but not limited to telephone calls, letters, emails, text messages, and contact through third parties. 



You may only contact me once, if at all, for the sole purpose of confirming that : You will comply with this request and cease further communication ; or You intend to pursue a specific legal remedy permitted by law. 



Any communication beyond what is expressly permitted under 1692c ( c ) will constitute a knowing and willful violation of federal law and will be documented and reported to : The Consumer Financial Protection Bureau ( CFPB ) The Federal Trade Commission ( FTC ) The State Attorney General This letter does not constitute acknowledgment, validation, or acceptance of any alleged debt. 



Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-28 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:
the information on my credit report is wrong and I would like it removed off my credit 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 explanation
Consumer complaint received 2025-12-28 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: PA

Complaint narrative:
the information on my credit report is wrong and I would like it removed off my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-28 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: TX

Complaint narrative:
I urgently seek an account update as my payments have consistently been made on time. The current circumstances are causing me undue stress and worry.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-28 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Aargon Agency, Inc.
State: NV

Complaint narrative:
According to the 15.U.S.C 1692 ( C ) you shave violated my rights by in lawful communications. Please remove this collections off my credit report. Thank you!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-28 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: FL

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file! 


INQUIRIES : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-28 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: NV

Complaint narrative:
I was alarmed to find these inaccurate late payment remarks on my credit report this morning without any explanation. As part of my routine, I reviewed my report, but this time, I noticed discrepancies that hadnt been there before. Hoping it was just a system glitch, I refreshed my browser, yet the errors persisted. Because of this, I am requesting a thorough verification of the documents I have provided so that I can put this issue behind me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-28 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: AK

Complaint narrative:
On XX/XX/year>, I received notification from PayPal there were incoming funds pending, but they required my Social Security Number since the funds represented income from a sale. 
As I am not a business, nor had I sold any products or services, I attempted to dispute the incoming funds with PayPal. However, they refused my dispute. They told me to just return the funds, but when I attempted to, PayPal wanted me to link my personal bank account so they could charge me fees to return the funds. Additionally, they were adamant that I needed to supply my Social Security Number since my sales reached the new Internal Revenue Service reporting threshold to have taxes withheld. 
I repeatedly explained that I did not sell the sender anything and I am not a seller of products or services and demanded they return the funds to person who initiated the transaction. PayPal has refused. 
I have since learned that the person who initiated the transaction has filed a dispute, to which PayPal accepted their dispute, but is refusing to accept my dispute of the deposit. A clear violation of Regulation E. 
While I admit to knowing the person who initiated the transaction, that person has admitted to me that the funds were intended for another party and they understand that I do not wish to be any part of this transaction. 
I ask the CFPB to step in and instruct PayPal to immediately return the funds to the person who initiated the transaction and then close my PayPal account. I want written confirmation of these actions. 
Again, this is classified as an unauthorized deposit that PayPal has refused to return to the sender.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-28 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: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I AM DEMANDING IMMEDIATE DELETION. EVERY PIECE OF DATA EPORTED AGAINST ME MUST BE 100 % COMPLETE, ACCURATE, AND LEGALLY VERIFIED NOT ASSUMED, NOT ESTIMATED, AND CERTAINLY NOT RETAINED WITHOUT DIRECT, PROVABLE EVIDENCE. YOU DO NOT HAVE MY CONSENT TO REPORT ANY DATA IN VIOLATION OF FEDERAL OR STATE LAW. YOU ARE IN BREACH OF COMPLIANCE. UNDER COMMON LAW, I AM FORMALLY DEMANDING DELETION OF ANY AND ALL DEROGATORY OR UNVERIFIED CLAIMS. IF YOU CAN NOT IMMEDIATELY AND UNAMBIGUOUSLY CERTIFY EACH AND EVERY DATA POINT WITH FULL PHYSICAL PROOF, THEN YOU ARE KNOWINGLY VIOLATING MY RIGHTS. FAILURE TO COMPLY IS NOT JUST NEGLIGENCE IT IS INTENTIONAL MISCONDUCT.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-28 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Kriya Capital, LLC
State: GA

Complaint narrative:
To Whom It May Concern, I am writing in response to your recent communication regarding the above-referenced account. This letter serves as my formal request for validation of this debt pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. Please provide the following documentation : The amount of the alleged debt, including a complete breakdown of principal, interest, fees, and any other charges. The name and address of the original creditor, along with documentation showing I am legally obligated to pay this debt. A copy of the original contract or agreement bearing my signature. Proof that XXXX XXXX XXXX is authorized to collect on this account, including any assignment or bill of sale. Documentation showing the date of default and the date the debt was transferred to your company. Until you provide the requested validation, you must cease all collection activity, including reporting or continuing to report this account to any consumer reporting agency. Reporting unverifiable or unvalidated information would constitute a violation of the FDCPA and the Fair Credit Reporting Act ( FCRA ). This letter is not an acknowledgment of debt, nor is it a promise to pay. It is simply a request for verification of the alleged obligation. Please provide the requested information in writing. Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-28 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Funds not received from closed account
Company: Paypal Holdings, Inc
State: OH

Complaint narrative:
XX/XX/year> i was told that i violated terms and conditions omin which i looked over the agreement numerous times and was not in violation of. The permanently deactivated my account and are holding my funds for no reason. I looked into this matter and have tried contacting XXXX  regularly as it says to do and they can not tell me why the funds are held, how long they will be held the information is next to none. Past transactions were all legal and i was in no violation of any agreement. I just want my money bavk as i have child support and XXXX kids to take care of.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-28 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: MD

Complaint narrative:
I AM DEMANDING IMMEDIATE DELETION. EVERY PIECE OF DATA EPORTED AGAINST ME MUST BE 100 % COMPLETE, ACCURATE, AND LEGALLY VERIFIED NOT ASSUMED, NOT ESTIMATED, AND CERTAINLY NOT RETAINED WITHOUT DIRECT, PROVABLE EVIDENCE. YOU DO NOT HAVE MY CONSENT TO REPORT ANY DATA IN VIOLATION OF FEDERAL OR STATE LAW. YOU ARE IN BREACH OF COMPLIANCE. UNDER COMMON LAW, I AM FORMALLY DEMANDING DELETION OF ANY AND ALL DEROGATORY OR UNVERIFIED CLAIMS. IF YOU CAN NOT IMMEDIATELY AND UNAMBIGUOUSLY CERTIFY EACH AND EVERY DATA POINT WITH FULL PHYSICAL PROOF, THEN YOU ARE KNOWINGLY VIOLATING MY RIGHTS. FAILURE TO COMPLY IS NOT JUST NEGLIGENCE IT IS INTENTIONAL MISCONDUCT.

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 2025-12-28 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: OK

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, CHALLENGED OR NOT.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: SYNCHRONY FINANCIAL
State: NJ

Complaint narrative:
Even though I paid {$3000.00} and only owed {$2000.00}, they increased my debt to {$6000.00} with monthly payments of {$210.00}.

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 monetary relief
Consumer complaint received 2025-12-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Consumer Adjustment Company Incorporated
State: IL

Complaint narrative:
Original Creditor : XXXX XXXX XXXX XXXX Collector Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX Account : XXXX Original balance and date, ( Unknown ) To Whom It May Concern, I am writing to formally notify you that, pursuant to 15 U.S.C. 1692c ( c ) of the Fair Debt Collection Practices Act, you are hereby instructed to CEASE AND DESIST ALL COMMUNICATION with me regarding the above-referenced alleged debt. 



This notice applies to all forms of communication, including but not limited to telephone calls, letters, emails, text messages, and contact through third parties. 



You may only contact me once, if at all, for the sole purpose of confirming that : You will comply with this request and cease further communication ; or You intend to pursue a specific legal remedy permitted by law. 



Any communication beyond what is expressly permitted under 1692c ( c ) will constitute a knowing and willful violation of federal law and will be documented and reported to : The Consumer Financial Protection Bureau ( CFPB ) The Federal Trade Commission ( FTC ) The State Attorney General This letter does not constitute acknowledgment, validation, or acceptance of any alleged debt. 



Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Subject formal complaint-inaccurate reporting To Whom It May Concern, I am submitting this complaint regarding inaccurate information being reported by XXXX  and its affiliates, which has resulted in the denial and reversal of access to basic banking services. 

I was initially approved for a bank account. The account was opened, I was issued a debit card, and I began receiving my funds. Several days later, the bank reversed its decision and denied the account based solely on information received from XXXX and its affiliates, as stated in the attached notice. 

The information relied upon is false and inaccurate. This same information did not prevent my initial approval, which demonstrates that it is unreliable and incorrectly reported. Despite this, the bank relied on the inaccurate report to reverse its approval, causing an immediate loss of access to my funds and essential banking services. 

Due to the continued inaccurate reporting by XXXX and its affiliates, I am now unable to open or maintain a basic bank account. This has caused ongoing hardship, including the inability to conduct ordinary financial transactions, receive payments, and access essential financial services necessary for daily living. 

I have disputed this inaccurate information ; however, it continues to be reported. The continued furnishing of inaccurate information after dispute constitutes a violation of my rights under the Fair Credit Reporting Act ( 15 U.S.C. 1681 ). 

Attached documentation shows the initial approval, subsequent reversal, and denial of my bank account based solely on information reported by XXXX and its affiliates. 

Requested Resolution : Correction and/or removal of all inaccurate information being reported, and restoration of my ability to access and maintain basic banking services. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-28 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: TX

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-28 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-28 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: VA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2025-12-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: Block, Inc.
State: NC

Complaint narrative:
sold out the blue I tried to use my Cash App card one day and it won't allow me to use it I tried to go on there and order a new one they claimed to send me one but it never came then after a couple months I tried to order a new one I chatted in and for some reason the chat said that I need to verify my account I put in the correct information and it still said error chatted in about it and they came up with some excuse they didn't show the date or whatever information they were giving me any type of backup on why they wouldn't allow me to have a cash app card but they allow me to still use my Cash App account and also adding in my personal account so I can cash out on my Cash app please Help cash app has been not a help at all the customer service team is not helpful they are not really customer service oriented at all they don't give you any type of realistic information with supporting documents behind it at all I'm hoping this message reaches the right person so I can get my issue fixed for once and for all

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-28 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: OneMain Finance Corporation
State: OK

Complaint narrative:
I took out a XXXX loan with OneMain Loan in XXXX, XXXX  in XXXX. I have made monthly payments and large lump sum payments on the principal since this time. After a recent lump sum payment there was a significant discrepancy between the total balance due following that payment. When I called the branch in XXXX, XXXX  on XX/XX/XXXX, I was told that the information was in the app. When I checked this was not true. In fact, the only payment history made available is the most recent payment. The same is true when accessing the online account. This would appear to break many rules and regs that relate to fair reporting practices and consumer rights. When I tried to follow up with the XXXX branch on XX/XX/XXXX, my concerns were trivialized and dismissed with no proposed remedies. Following this encounter, I then contacted the national office to share my experience and request my payment history. I was told that the information would be shared with me via email. To date, I have received no information. As a result of this incident, I did some due diligence on OneMain and discovered lawsuits and other serious violations that would indicate they are not an honest and reputable firm for consumers to do business with. It would appear that these practices persist, as the concealment of the information I have requested not only violates my rights, but lacks good faith and sound accounting practices. There should be an enforcement agency that looks further into these practices at OneMain, in addition to the poorly trained staff that represent this organization.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-28 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Charged upfront or unexpected fees — 
Company: Consumer Financial Services Solutions, Inc.
State: TX

Complaint narrative:
Company states their debt resolution fee is 25 %. However, their contract states b ) Estimated Annualized Cost of the Debt Resolution Program : On Clients estimated program term of months, Company estimates that the annualized fee for Companys services to Client will be approximately 6.25 % of Clients enrolled debt. This makes it sound like fees are 6.25 % per year. At the beginning, I was told by company that my credit score would go up ; however, 29 months of being on the program, my credit score has not improved. I have paid in {$9700.00} and they have only paid {$6300.00} towards my credit card debt. They have {$3300.00} of my money. After cancelling the program today, they said I still owe them over {$1000.00}.

Company response to consumer: Closed with explanation