vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: TX

Complaint narrative:
XX/XX/scrub>XXXX XXXX XXXX Credence said charge was sent to them from XXXX XXXX. I disputed XX/XX/XXXX they acknowledged my dispute XX/XX/XXXX merchant respond with false statement on events XX/XX/XXXX different information from merchant XX/XX/XXXX I disputed again XX/XX/XXXX I reported to XXXX they said contact bank. Bank said matter is closed I should not be billed again XX/XX/XXXX same information from merchant I disputed again. 
XX/XX/XXXX credit company sent same false merchant statement I disputed again XX/XX/XXXX same false merchant response I disputed again I have email copies of all of this

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-16 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Information belongs to someone else
Company: Servicer under contract with Federal Student Aid
State: GA

Complaint narrative:
I was informed while signing up for FAFSA that my identity was stolen. I was informed that someone was working and using my social security for college ( Pell grants, Federal loans ). I went to the social security office and they advised me to report through fafsa. Fafsa website brought me here. I have never worked, attended college or applied for loans. I need all loans and existing information erased from my social security with a letter of proof for future purposes.

Company response to consumer: Untimely response
Consumer complaint received 2025-07-16 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I am submitting this complaint because my XXXX account with Wells Fargo was unfairly shut down due to a false claim filed by another person. 

The other party initially sent me money to buy concert tickets in two payments : {$150.00} on XX/XX/2025, and {$140.00} on XX/XX/2025. After our relationship ended, she asked me to refund her portion, and I transferred {$290.00} to her on XX/XX/2025, via XXXX. 

Despite the refund, she filed a dispute claiming she never received the money. I have proof of the refund transaction and a message from her requesting the refund. 

I contacted Wells Fargo multiple times by email and phone, including sending evidence to XXXX, but I have not received any response or explanation. 

Wells Fargo closed my XXXX account without reviewing the evidence I provided, which I believe is unfair and incorrect. 

I request that my account access be reinstated and that the dispute be resolved fairly based on the evidence.

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 2025-07-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
b'This CFPB complaint has been filed to request pursuant to FCRA  605B (15 U.S.C. \n 1681c-2) that you, the Experian Credit XXXX XXXX  block information appearing on my\n consumer credit report that is the result of identity theft and fraud within 4 business days of\n you receiving this complaint. The following items do not belong to me and is a result of fraud\n that I did not authorize:\n Also, would like to have all addresses and names REMOVED from my credit report, except\n for my only name and address listed below:\n Name: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: CA

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within four business days of receipt. 
The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : ACCOUNTS : XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$400.00} XXXX - Account Number : XXXX * * * * * * * * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$10000.00} XXXX - Account Number : XXXX * * * * * * * * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$2400.00} XXXX - Account Number : XXXX * * * * * * * * * * * * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$3100.00} XXXX XXXX XXXX Account Number : XXXX * * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-16 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2025-07-16 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: NRA Group, LLC
State: DE

Complaint narrative:
I have no agreement or obligations with this company and do not owe any payments. Please remove this account immediately. 
I have not provided any evidence under the doctrine of estoppel by silence, as referenced in XXXX v. XXXX ( Mo ) XXXX XXXX XXXX, XXXX. Therefore, I assume that no proof of the alleged debt exists, and consequently, no such debt is valid.

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 2025-07-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EdFinancial Services
State: TX

Complaint narrative:
Account owner Individual Account Loan type Education Loan Creditor classification Installment credit limit High credit amount {$13000.00} Term frequency Monthly Term duration Activity designator Date opened XX/XX/XXXX Date reported XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CBC Companies, Inc.
State: SC

Complaint narrative:
I have previously disputed with XXXX, XXXX  and XXXX  regarding several accounts which I found inaccurate. Up to date, I have received no response nor proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non compliant with the FCRA. These erroneous reports badly hurt my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: BOEING EMPLOYEES' CREDIT UNION
State: WA

Complaint narrative:
On XX/XX/2025, I deposited a {$30000.00} check into my account at BECU via ATM after confirming over the phone with a BECU employee that deposit timing would be the same regardless of whether I deposited at a teller or ATM. I have since learned this was inaccurate depositing in person may have prevented the extended hold that was later placed on the funds. 

After the deposit, I was given immediate access to {$270.00}. I used that money to pay bills, assuming the hold terms were as described. Approximately 90 minutes later, I checked my account and saw a negative balance of - {$270.00}, as BECU had placed a full hold on the deposit after initially releasing a portion of it. 

I was not provided advance or written notice that an exception hold would be placed, nor was I informed of the specific duration or reason for the hold, as required under the Expedited Funds Availability Act ( EFAA ) and Regulation CC 12 CFR 229.13 ( g ) ( 1 ). I only received verbal statements from BECU that the hold would be a minimum of 7 days, and that it could be extended further. They also informed me that the department responsible for these holds does not take calls or communicate with customers directly.

This has caused serious disruption to my ability to access my funds and meet financial obligations. I am requesting a review of BECUs failure to follow proper notification procedures and the indefinite withholding of my deposited funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-16 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2025-07-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CITIBANK, N.A.
State: MD

Complaint narrative:
My Citi ThankYou Rewards account has been accessed multiple times without Citi.com login. The attacker is not only able to change my contact information and then redeem points, they are also able to delete historical redemption records. 

This suggests internal access to the underlying loyalty platform, potentially by a Citi employee or vendor partner. 

Ive raised this multiple times with Citi and they have failed to isolate or close the vulnerability. This is a serious data integrity and consumer protection issue.

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 2025-07-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within four business days of receipt. 
The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : ACCOUNTS : XXXX XXXX - Account Number : XXXX * * * * * * * * * * XXXX, Date Opened : XX/XX/year>, Balance : {$16000.00} XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/year>, Balance : {$50.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-16 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
As someone who pays on time without fail, Im disheartened by this error. Kindly remove the late payment.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: U.S. BANCORP
State: NY

Complaint narrative:
U.S. Bank has an ongoing promotion to entice potential customers into opening a business checking account. After meeting their requirements, the bank promised a reward of either {$1000.00} or {$500.00}. I met the criteria for the {$500.00} promotional reward.

I opened my account on XX/XX/year>. 
Deposited {$5000.00} in new money within 30 days of opening my new Business Essentials account and maintained it. After the account opening, I also completed five qualifying transactions within 60 days as required thus satisfying all requirements to receive the {$500.00} bonus into my checking account.

I waited over 60 days and when my bonus did not post to my checking account, I asked via chat what happened. I spoke to multiple customer service reps over the phone and the two I spoke with weren't even aware of the details regarding this bonus. I was told to continue to hold my cash within US Bank and what to see what happens. No timelines were provided regarding when I'll receive the bonus, and no guarantee that my bonus will even be applied. The company did not respond to my questions when I inquired further.

I need assistance with this matter, otherwise I feel US Bank will not honor their bonus commitment.

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 2025-07-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file.

The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes.

Creditor Name : [ XXXX XXXX XXXX ] Account Number : [ 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 2025-07-16 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: CA

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Both of my Capital One credit cards the Quicksilver and the Savor were closed on XX/XX/year> without warning. The Savor card was unsecured and never had a single late payment. Both accounts were in good standing, and I never received any notices or alerts before the closures.

Capital One sent two vague letters afterward stating that the accounts were shut down due to activity inconsistent with typical customer usage. However, they did not explain what that activity was, and I was given no opportunity to respond or dispute it.

This sudden action dropped my credit score by approximately XXXX points and caused serious damage during a sensitive period where I am actively working on credit recovery. I reached out to Capital One for clarification and reconsideration, but I never received a clear explanation or a chance to resolve anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc.
State: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Request for Removal of Fraudulent Information under 15 U.S.C. 1681c2 To Whom It May Concern : I am writing to formally dispute and request the removal of fraudulent and inaccurate information on my credit report in accordance with the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681c2.

This section grants me the right to have information resulting from identity theft or unauthorized activity blocked from my credit file. I have identified the following items on my credit report that I did not authorize and believe to be the result of identity theft or error : Creditor Name : 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  Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Reported Balance : {$9400.00}, {$3300.00}, {$1000.00}, {$0.00}, {$850.00}, {$450.00}, {$31000.00}, {$1000.00}, {$390.00}, {$930.00}, {$660.00}, {$670.00}, {$740.00} Date Opened : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Reason for Dispute : This account was opened fraudulently and without my knowledge or consent.

In support of this request, I am providing the following documentation as required under 15 U.S.C. 1681c2 : A copy of a valid government-issued photo ID Proof of residence ( e.g., utility bill, lease agreement ) A copy of the police report or identity theft affidavit Please conduct an investigation into these matters, and as required by federal law, block this fraudulent information from appearing on my credit report. I request written confirmation once the disputed information has been removed.

Thank you for your prompt attention to this matter. I look forward to your response within the 30-day timeframe as required by the FCRA.

Sincerely, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief