vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-17 00:00:00
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: P&B Capital Group, LLC
State: MO

Complaint narrative:
This organization called me on two occasions and never identified themselves as debt collectors and threatened me with legal action. They never sent debt validation, and never verified they could collect the supposed debt for orignial lender. I am entitled to the details of the allged debt, amount, current owner and any othe rinformation. It did not come to me within five days of the first phone call on XX/XX/year>. They sent a collection to credit bureus instead. They have broken the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-17 00:00:00
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Strategic Alliances, Inc.
State: AZ

Complaint narrative:
XXXX XXXX is the company in question... 

I am reaching out to you because I was informed an alleged debt said to belong to myself, was sold to you without any consent from myself or anything in writing notifying me of such activity.... I would like this account removed due to a violation of the FCRA. Also, I'm requesting the below information for my legal options and rights under consumer privacy laws...

If you can not supply the following, Please remove this information from my consumer report on all 3 credit reporting agencies.

would like see to my signature on the original documents from the company listed above that says I'm indeed liable for this debt.

I would like to see a copy of the original purchase agreement that shows you are legally allowed to collect this debt on behalf of the company listed above. 

I would like to see a copy of the forwarded flow agreement I would like to see a copy of all transactions/statements from open to close of this account. 

I'd like to see proof you are a legal debt collector in the state of Illinois. A copy of your bond that indicates you are indeed licensed to operate in the state of illinois would be greatly appreciated.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Resurgent Capital Services L.P.
State: AZ

Complaint narrative:
Im submitting this complaint regarding a XXXX XXXX XXXX account ( issued by Synchrony Bank ) that has recently reported a XXXX delinquency on my personal credit report. Ive attempted to contact XXXX and Synchrony, but the payment portal was disabled, and I have not received any billing statements, emails, or letters for over 90 days. 

This account was opened under a business structure, but the day-to-day usage and payments were handled by a third-party business user ( a family member helping with operations ). Unfortunately, the account became delinquent due to business mismanagement, but I was not directly overseeing its activity. 

I had every intention of resolving the balance, but Ive been completely unable to access the account or make payments. As a result, a XXXX delinquency was reported to my personal credit, which I was not properly informed of or given a chance to address. 

I am requesting that the delinquency be corrected or removed due to the lack of communication and access or at minimum, that I be given an active payment portal and support contact so that I can settle the balance and prevent further damage. 

Im committed to resolving this, but need cooperation from XXXX to do so. I would appreciate the CFPBs help in getting this matter resolved fairly and accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-17 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 have disputed SEVERAL fraudulent accounts on my credit report to Experian, Equifax and TransUnion. I am constantly being denied removal of the accounts and my consumer laws are being violated! On top of a breach of info ( FERPA ) along with 15USC1681! There is complete and total account inaccuracy being documented and verified onto my account! I have requested several times via dispute and being denied 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 2025-04-17 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: DC

Complaint narrative:
This is my final notice regarding your ongoing noncompliance with federal credit reporting laws. I previously disputed the accuracy and legitimacy of several items on my credit report, yet your agency has failed to act in accordance with the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ).

Your violations include : Failure to validate the debt as required under 15 USC 1692g ( Section 809 ( b ) ).

Continuing communication after a certified cease-and-desist request, violating 15 USC 1692c ( Section 805 ( c ) ).

Harassment under 15 USC 1692d ( Section 806 ).

Recently, I received notice that your investigation was complete, but the disputed accounts remain on my credit report. These accounts are not only inaccurate but were never authorized by me. No valid contract exists, and I have not provided any written consent for the reporting of these accounts, as required under 15 U.S. Code 1681b.

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 2025-04-17 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: LA

Complaint narrative:
Consumer Name XXXX XXXX XXXX, Consumer Social Security NumberXXXX, Consumer Date of Birth XX/XX/XXXXXXXX  Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the EQUIFAX 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 a personal loan account opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX, a collection account opened at XXXX XXXX XXXX  XXXX on XX/XX/XXXX under the account number XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. 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 # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-17 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: NJ

Complaint narrative:
I have made multiple attempts to get these discrepancies investigated and corrected, yet no meaningful action has been taken. Despite providing all necessary documentation and following up several times, these errors remain unresolved. This ongoing issue has caused financial stress and has taken a serious toll on my well-being. Dealing with these inaccurate entries has been frustrating and exhausting. 

Under the Fair Credit Reporting Act ( FCRA ), I have the right to a credit report that accurately represents my financial history. This includes the prompt correction of outdated or incorrect information. I urge you to take immediate action to update or remove these late payment entries, as failing to do so is a direct violation of my rights under federal law. 

I appreciate your prompt attention to this matter and expect a resolution as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-17 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: KEYCORP
State: OH

Complaint narrative:
To Whom It May Concern, I am writing to formally file a complaint regarding a deeply upsetting and unprofessional experience I had at your KeyBank branch located at XXXX XXXX XXXX XXXX, XXXX, OH XXXX, on XX/XX/year>, between XXXX and XXXX XXXX. 



I entered the branch to make a withdrawal and inquired about a recent deposit I had made via XXXX XXXX. I was informed that the deposit was still pending and would be available the following day. I accepted that explanation and asked about withdrawing funds from my savings account instead. 



The teller, XXXX, refused to assist further and told me he wasnt dealing with me anymore, instructing me to speak with the branch manager. I calmly approached the manager, XXXX XXXX, who was exiting his office, and explained that I needed assistance and also wished to file a complaint against XXXX for being passive-aggressive and unwilling to helpsomething Ive experienced from him in a previous visit as well. 



XXXX XXXX responded by saying, Thats just how my banker is, and told me to contact customer care if I had a problem. He then raised his voice at me in front of other customers and my XXXX child, creating a humiliating and hostile atmosphere telling me I was to never return to this location. 



I left the branch feeling discriminated against, disrespected, and deeply embarrassed. As a KeyBank customer, I expected professional and respectful treatmentneither of which were extended to me during this visit. 



I am requesting a formal investigation into this matter. I would like to be contacted regarding the outcome and to ensure this kind of treatment is addressed appropriately. No customer should be made to feel demeaned or intimidated while conducting their personal banking. 
Thank you for your attention to this matter. 

Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: FL

Complaint narrative:
Continued to attempt collection on a disputed debt without providing proper validation. 

Reported potentially inaccurate information to credit reporting agencies ( Experian, Equifax, and TransUnion ) without verifying its accuracy.

Failed to provide requested documentation such as proof of debt ownership, signed agreement, and state collection license, as required under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g.

I received collection notices from Credence Resource Management regarding an alleged debt under account number XXXX. In response, I sent a formal debt validation request pursuant to the FDCPA, asking for competent evidence of the debt, a copy of the original signed agreement, and proof of their authority to collect. 
Despite my request, the company has failed to properly validate the debt and continues to report it negatively on my credit reports. This failure to validate constitutes a violation of the FDCPA. Furthermore, any continued reporting of inaccurate information may also constitute a violation of the Fair Credit Reporting Act ( FCRA ) and has harmed my credit reputation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-17 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:
This is my final notice regarding your ongoing noncompliance with federal credit reporting laws. I previously disputed the accuracy and legitimacy of several items on my credit report, yet your agency has failed to act in accordance with the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ).

Your violations include : Failure to validate the debt as required under 15 USC 1692g ( Section 809 ( b ) ).

Continuing communication after a certified cease-and-desist request, violating 15 USC 1692c ( Section 805 ( c ) ).

Harassment under 15 USC 1692d ( Section 806 ). 
Recently, I received notice that your investigation was complete, but the disputed accounts remain on my credit report. These accounts are not only inaccurate but were never authorized by me. No valid contract exists, and I have not provided any written consent for the reporting of these accounts, as required under 15 U.S. Code 1681b.

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 2025-04-17 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: EQUIFAX, INC.
State: CA

Complaint narrative:
My credit report shows collection accounts that I believe include inaccurate information. Under my rights as outlined in 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to a fully accurate report. I am asking for a review of these entries, and if they can not be confirmed as accurate, they should be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-17 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: CAPITAL ONE FINANCIAL CORPORATION
State: IA

Complaint narrative:
Capital One has refused to honor my dispute of a fraudulent charge despite clear evidence substantiating my position. The charge is from XXXX XXXX. XXXX overcharged me by {$200.00} without itemizing charges or otherwise explaining the basis for the overcharge, other than asserting that I returned the car to the incorrect location. That is wrong. The car was rented from a carpark, and was returned to the same carpark, as substantiated by a picture I provided to Capital One. XXXX also indicated that rental costs were XXXXXXXX XXXX  without any substantiation. Again, that is incorrect. As per the rental agreement, which I also provided to Capital One, total charges should be XXXXXXXX XXXX So, Capital One has refused to meaningfully consider the evidence that I submitted, and instead has taken the side of XXXX based on nothing more than a conclusory statement.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-04-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: WELLS FARGO & COMPANY
State: MI

Complaint narrative:
I need to thank Wells Fargo for the manner in which they handled my previous complaint. Its been a welcome relief. In reality, Im submitting this complaint only because I was encouraged to do so by XXXX if I had further documentation to submit for consideration after I explained the situation. I have no doubt XXXX will provide the same excellent customer service that he did previously, so in short, I really could use some help. Ive been dealing with extensive fraudulent activity on multiple accounts along with having sever technical issues with multiple financial institutions. A missed payment or technical issues isnt the sort of thing I would generally handle through the CFPB, but it has recently seemed to be the only way I can receive assistance or a response at all. XXXX XXXX XXXXXXXX system has recently been changing my auto-pay source, not making payments scheduled, and charging me the incorrect amount. Ive had the same issue with XXXX. They contacted me today and stated because its self serve there is nothing they can do about it. XXXX, XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX have been refusing to deposit checks for multiple contradictory and/or objectively false reasons. Both XXXX and XXXX have refused to process XXXX payments for my XXXXXXXX XXXX often for contradictory reasons. XXXX, XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXXXXXX all refused to allow me access to transaction histories. XXXX XXXX XXXX XXXX and XXXX XXXX still do. They all with the exception of one of two accounts with XXXX, refuse to provide me with a list of manually keyed transactions as my credit card numbers are just being passed around. Ive experienced difficulty freezing or closing accounts with all of them. My list of issues is extensive. So I apologize for jumping the XXXX with Wells Fargo and resorting to a CFPB complaint without first trying a phone call. But any assistance with determining why I seemed to have such difficulty with your website or dealing with my present circumstances would be appreciated beyond belief.

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 2025-04-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Over the past two weeks, I have been trying to send money from my JPMorganChase account to another bank. 

In doing so, I have had every method blocked for 'fraud protection '. However, when I contact Chase and verify that it is indeed me and that the transfer should be allowed, they tell me there is nothing they can do, and that I should try another method. 

However, I have tried every digital method to move money. I am trying to move {$15000.00}. 

This is blatantly a retention tactic from JPMorgan and not Fraud Protection.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-17 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: Klarna AB
State: GA

Complaint narrative:
I have financed a online course with Klarna. after few weeks of sighing up I was unable to get in touch with the merchant and kept making my payments with Klarna. However, after several months when I did not get service or communications from the service provider ( XXXX XXXX XXXX  ) I started disputing with Klarna. They could not help me much. Every time I reach out to them they kept stalling without resolution. Meanwhile I've paid over XXXX USD to them without getting my promised service. I've recently stopped making payments to Klarna and claimed a refund. I am yet to receive any solution from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-17 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: MO

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 reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. 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 non-monetary relief
Consumer complaint received 2025-04-17 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Credit Fresh Holdings Inc
State: FL

Complaint narrative:
In XX/XX/year>, I obtained a line of credit with CreditFresh for {$2700.00}. The terms were not clearly explained to me over the phone, and I was not made aware that nearly all my payments would go toward billing cycle charges rather than the loan principal. 

Despite making regular payments over the following months totaling over {$1000.00} my balance has increased to over {$3000.00}. My statements show recurring biweekly charges of {$160.00}, resulting in monthly charges up to {$480.00}, which make it nearly impossible to reduce my debt. I feel completely trapped in a never-ending debt cycle. 

I formally requested a copy of the original call recording in which the loan terms were offered. CreditFresh responded that they do not have any recordings available. This is extremely concerning, as the terms of this financial agreement were communicated verbally and were not fully or clearly disclosed in writing. 

I also recorded a recent conversation with a CreditFresh representative in which they admitted that they have no recordings of the original call. In that call, the representative confirmed there is no record of the explanations that should have been provided to me at the time of the loan offer. 

In addition to the financial burden, the daily harassment from CreditFresh representatives calling at all hours has been overwhelming and distressing. The constant phone calls sometimes multiple times a day have contributed significantly to my XXXX and mental exhaustion. I felt pressured, cornered, and unable to escape the situation, which only worsened my emotional state. No one should have to deal with this kind of harassment, especially when already struggling to manage a growing debt. 

I believe this is a case of predatory lending and request a full investigation by the Consumer Financial Protection Bureau ( CFPB ) into the companys practices. 

I am submitting this complaint now because the level of XXXX and stress this situation has caused me has become unbearable. It is affecting my health and my ability to focus on my daily life. I can no longer delay seeking help.

Company response to consumer: Closed with explanation