vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-02 00:00:00
Product: Debt collection — I do not know
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:
Help my rights are being violated, 15 U.S.C. 1692g ( b ) of the FDCPA requires debt collectors to cease collection activities and provide proper validation of the debt when requested in writing within 30 days of initial contact. The accounts Ive referenced are not 100 % accurate. Until you provide competent evidence that validates the debt including a signed agreement, full account history, and verification of your authority to collect you must cease all collection efforts and remove the information from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-02 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Synergetic Communication Inc
State: CA

Complaint narrative:
I am disputing the account Synergetic Communications placed on my credit report. This account is not mine and was opened fraudulently using my personal information. I have already submitted an Identity Theft Report and request that this account be removed immediately from my credit file under the FCRA identity theft protections ( 15 U.S.C. 1681c-2 ). 
Please delete this account from all credit reporting and provide written confirmation once completed. 
Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
The stated information conveys an incorrect representation of my financial performance. I respectfully request that it be reviewed and updated.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-02 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: ResidentCollect, Inc.
State: NY

Complaint narrative:
I discovered a charge-off account on my credit report that I believe is inaccurate and incomplete. Since noticing this, I have submitted multiple formal disputes to both the creditor/furnisher and the credit reporting agencies, requesting a thorough investigation and validation of the debt. Despite these repeated efforts, the creditor has failed to provide any substantive verification, such as the original signed contract, detailed payment history, or evidence that the debt is valid and belongs to me. 
Instead, I have only received generic or stall responses that do not address the specific issues I raised. The inaccurate charge-off status, incorrect balances, and inconsistent reporting continue to appear on my credit report, which is negatively impacting my credit score and financial opportunities. This ongoing failure to investigate and correct the errors violates my rights under the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), and related consumer protection laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
In XXXX my Peresonal info was breach by XXXX Data Breach and someone started applying for credit in my name it started in XXXX until XXXX in late XXXX I started having medical issues with XXXX  and I started getting better late XXXX when came back home I started getting calls from credit cards company about payments. I didn't know what to do so I started trying to get them off credit report got a Police Report. But they would remove them.

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 2025-12-02 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:
I am submitting this complaint because the following credit reporting agenciesEquifax, XXXX, and XXXXare reporting inaccurate, unverified, and/or incomplete information on my credit file. I am requesting a full investigation, validation of all disputed accounts, and correction or deletion of any information that can not be fully verified under the FCRA. 
Charged-Off / Collection Accounts I dispute the accuracy, validity, and completeness of the following accounts appearing on my Equifax report XXXX XXXX Acct # : XXXX XXXX XX/XX/XXXX {$350.00} XXXX XXXX Acct # : XXXX DOFD XX/XX/XXXX {$1500.00} XXXX XXXX Acct # : XXXX XXXX XX/XX/XXXX {$440.00} XXXX XXXX XXXXT Acct # : XXXX XXXX XX/XX/XXXX {$400.00} XXXX XXXX  Acct # : XXXX XXXX XX/XX/XXXX {$630.00} Reason for dispute : These accounts contain inconsistent dates, unverified balances, and/or reporting errors. I request that Equifax obtain full documentation proving ownership, original creditor details, itemized accounting, and legal right to report. If the information can not be fully verified, please remove it. 

B. Hard Inquiries I dispute the following inquiries as unauthorized : XXXX XXXX XXXX XX/XX/XXXX Reason for dispute : This inquiry was not authorized by me. Please investigate and delete any inquiry that can not be confirmed with evidence of permissible purpose. 

C. Late Payment Reporting I dispute the late payment data for : XXXX Acct # : XXXX Reason for dispute : The late payment reporting appears inaccurate or unsupported by any proof of delinquency. I request a reinvestigation and deletion if the furnisher can not verify with proper documentation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-02 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:
XXXX XXXX  considers Debit card transactions as what the call " Real Time Payments '' I made a real time debit card payment on XX/XX/XXXX to bring my account current they did not post it on time causing me to be reported as 30 days late when in fact I was 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 non-monetary relief
Consumer complaint received 2025-12-02 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:
XXXX XXXX considers Debit card transactions as what the call " Real Time Payments '' I made a real time debit card payment on XX/XX/XXXX to bring my account current they did not post it on time causing me to be reported as 30 days late when in fact I was not.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
A friend opened an XXXX XXXX XXXX account in early XXXX. The friend did not have a checking account to make payments and provided me with cash to make the payment via my Capital One credit card! This STOPPED in XXXX of XXXX and I did not authorize anymore payments! I attempted to contact XXXX XXXX XXXX in XXXX to remove my saved credit card information on this friends XXXX XXXX XXXX account! I was informed that I was unable to have my card removed because I am NOT an XXXX XXXX XXXX customer. On XX/XX/year>, there was an authorized charge of {$240.00} from XXXX XXXX XXXX. This was disputed with Capital One. XXXX XXXX XXXX provided documents that does not bear my signature nor has my name or address on ANY document! There is no verbal authorization provided nor my signature authorizing this transaction! I was not aware my Capitol One credit card was saved on file and did not authorize it! My credit card is not in any way linked to this XXXX & XXXX customer nor given permission to use whenever! I redisputed with Capital One and they refuse to see Im not linked to this XXXX XXXX XXXX account! I did not authorize this XXXX XXXX XXXX  transaction nor have I signed any contractual document that states Im responsible for this friends payment! I do not have an account with this company and I would like this refunded and my credit report updated with a new high balance!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: Atlanticus Services Corporation
State: PA

Complaint narrative:
Aspire is reporting late payments that I do not believe are accurate, and they have not provided any documentation to validate the reporting.

I previously filed a CFPB complaint, and Aspire responded without providing the required proof of the alleged late payments ( billing statements, payment history records, or evidence of proper notice ).

I attempted to resolve this directly with Aspire and their supervisor refused to provide documentation and ended the call without answering my questions or escalating the case as promised.

I am requesting a full investigation with documentation to validate the late payment reporting. If Aspire can not provide proof, I am requesting these late payments be removed from my credit reports.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-02 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: LA

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

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 2025-12-02 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: LA

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: RI

Complaint narrative:
After reviewing my consumer report, I noticed that there was still late payment on my consumer report which have never been late because the creditor failed to provide any proof or evidence so this needs to be corrected immediately to paid as agreed and never late. This account is related to a transaction and experience that falls under the EXCLUSION section of the FCRA 's definitions, rules of construction section. It was also reported without my written consent and therefore is a result of identity theft ( as defined by the Federal Trade Commission ), and the account SHALL be Corrected. This account is not related to any transaction authorized by me, the consumer as I did not give written instructions to your agency to report this, which is a violation of the permissible purpose section of the FCRA, which holds your agency name liable for damages of at least {$1000.00} per the civil liability section for willful non-compliance. Please CORRECT this item from my consumer report! According to15 U.S. Code 1681b - Permissible purposes of consumer reports The Law clearly states : ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I clearly did not give your agency written authorization or written instructions to report this information. Your agency is conspiring with these creditors against me in committing aggravated identity theft and I have sustained defamation of my character, just to name a couple damages should this matter escalate to court. 15 U.S. Code 1681e - Compliance procedures- ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall -- i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. ''

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-02 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: CA

Complaint narrative:
Dear Sir/Madam, I am writing to formally dispute the following items on my credit report as inaccurate and incomplete. These items are reflected on my credit reports from Equifax ( XXXX ), Below is a summary of the accounts in dispute, separated by bureau : Charged-Off Accounts : XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$4200.00} XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$7000.00} DPEDNELNET Account Number : XXXXXXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$3900.00} XXXXXXXX XXXX XXXXXXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$600.00} XXXXXXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$2400.00} XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$970.00} XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$8600.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
I have been a TD Bank customer for about one year. Recently, I experienced fraud on my account and TD Bank resolved it. 

On Wednesday, XX/XX/XXXX, I deposited a legitimate IRS refund check through mobile deposit. The next day, on XX/XX/XXXX, my online banking access was blocked without any prior notice by text, email, call, or letter. 

On XX/XX/XXXX, I went to the branch to ask what happened. The representative questioned why the IRS sent my refund so late and why I waited XXXX weeks to deposit the check, even though this has nothing to do with the legitimacy of the check. I provided the original IRS check and the IRS notice to prove that it is valid. 

As of XX/XX/XXXX, TD Bank still refuses to allow me access to my own money, including my balance before the deposit ( about {$500.00} ). I have urgent rent and bill payments, yet the bank told me I must wait 15 days until XX/XX/XXXX without any written explanation, case number, or clear information on whether the check will be released or rejected. 

I attempted to withdraw my available funds in the branch, but the representative said she did not have access to my money, even though my funds are in their bank. This makes no sense and is extremely stressful. 

TD Bank has not sent any communication explaining the situation. It has been almost a week with no information. Blocking my account without notice and withholding my available balance is unfair, disrespectful, and harmful to my rights as a consumer. 

I no longer feel safe banking with TD Bank. I am requesting immediate access to my funds and a clear resolution. I urgently need the CFPBs help to release my money.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: TX

Complaint narrative:
I sent LexisNexis a formal dispute letter on XX/XX/XXXX, using USPS Mail to the address listed on my LexisNexis consumer disclosure : XXXX XXXX XXXX XXXX GA XXXX. In that dispute, I formally challenged several inaccuracies in my LexisNexis XXXX file, specifically : Inaccurate Personal Information, and The accuracy and verifiability of the bankruptcy record LexisNexis is reporting, including : Court : U.S. Bankruptcy Court, XXXX XXXX, XXXX District of Texas Bankruptcy XXXX XXXX : XXXX Debtors : XXXX XXXX XXXX XXXX XXXX XXXX XXXX My dispute explained that the bankruptcy information LexisNexis is reporting is inconsistent with the official PACER record. The PACER case summary for Case No. XXXX shows : Filed : XX/XX/XXXX Discharged : XX/XX/XXXX Terminated : XX/XX/XXXX Court : XXXX XXXX XXXX XXXX XXXX TX Trustee : United States Trustee XXXX / XXXX XXXX XXXX Disposition : Standard Discharge Nature of Debt : Consumer Case Status : Closed However, LexisNexis is reporting incomplete, inaccurate, or improperly formatted data about this public record, making it unverifiable and not compliant with maximum possible accuracy under the Fair Credit Reporting Act ( FCRA ). 
On XX/XX/XXXX, my original dispute letter was returned to me unopened and undelivered. This is unacceptable. The address I mailed the dispute to is the same address LexisNexis publishes on my consumer file, which means : LexisNexis may be listing an invalid or non-functioning dispute address, or LexisNexis is intentionally avoiding legally required dispute correspondence. 

Either scenario constitutes a serious FCRA violation. 
Under the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), LexisNexis is legally required to : Accept consumer disputes, Conduct a reasonable reinvestigation, and Respond within 30 days with the results. 

LexisNexis failed at step oneit refused to even accept my dispute mail. This is a direct violation of federal law. Their failure jeopardizes the accuracy of my consumer file and places my financial well-being at risk. It also shows a troubling lack of transparency and compliance for a nationwide third-party furnisher and public-records compiler. 
To support my complaint, I have attached : A copy of my original dispute letter dated XX/XX/XXXX A photo/scan of the returned and unopened envelope The PACER Case Summary for Case No. XXXX showing complete and accurate court data.

Company response to consumer: Closed with non-monetary relief