vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-30 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Communication tactics — Frequent or repeated calls
Company: Kriya Capital, LLC
State: LA

Complaint narrative:
I am filing a complaint against Credence Resource Management LLC for violating the Fair Debt Collection Practices Act ( FDCPA ). A representative from this company left a detailed voicemail and text messages on my spouses phone regarding a personal debt in my name. 

The message included private and sensitive information, including : The creditors name The amount owed The nature of the debt This message was left without my permission or prior authorization to disclose my debt to my spouse. According to FDCPA Section 805 ( b ), debt collectors are prohibited from discussing or disclosing debt-related information to third parties ( including spouses ) without consent. This was a clear violation of my privacy rights.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Portfolio Recovery Associates, LLC
State: TN

Complaint narrative:
My complaint is about a listing placed on my credit report and/or a collection attempt from this company. This is a formal request for validation of the alleged debt as provided for by the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g.

Please provide the following : 1. The name and address of the original creditor 2. A copy of the original signed contract or agreement bearing my signature 3. A complete accounting and payment history of the alleged debt 4. Proof that your company is authorized to collect on this debt, including the chain of assignment and ownership 5. The amount of the original debt, any added fees, interest, or payments

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-30 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: GA

Complaint narrative:
I'm writing again out of sheer frustration because Equifax has completely failed to address a serious and well-documented identity theft issue on my credit report. 

On XX/XX/2025, I submitted a formal identity theft dispute to Equifax via CFPB complaint # XXXX, explicitly invoking my rights under FCRA 605B. I included everything required under the law - including a valid FTC Identity Theft Report ( Report # XXXX and # XXXX ) I specifically requested the immediate removal of multiple fraudulent accounts, unauthorized inquiries, and inaccurate personal information. These entries resulted from identity theft, unauthorized access following multiple data breaches, and possible file merge issues tied to a domestic partnership separation and overlapping family records. 

FCRA 605B is not vague. It is clear : credit reporting agencies must block identity theft-related data within 4 business days of receiving proper documentation. Equifax blew past that deadline without explanation. 

When no action was taken, I submitted a second dispute directly via the myEquifax portal on XX/XX/2025, referencing my original CFPB complaint and attaching all the same documentation for visibility. Stillnothing. 

Out of desperation, I called Equifax on XX/XX/2025, requesting to speak with a supervisor. I remained on hold for over 90 minutes, and no one ever came on the line. My dispute remains unresolved to this day. 

This is not just a delay! Its a blatant violation of federal law. Equifax has willfully failed to comply with its legal obligation under F

CRA 605B. Instead of blocking the fraudulent data, they are misclassifying my identity theft dispute as a standard 30-day reinvestigation. They're claiming they are waiting on the creditor to respond. That is not required under 605B. The law mandates Equifax act independently when provided with valid documentation, and they have not. Meanwhile, I continue to suffer the consequences of their inaction : reputational harm, credit denials, stress, and financial delays. Equifax is not just ignoring my rights
; they are actively undermining them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-30 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY
State: MA

Complaint narrative:
My emergency fund savings account had an automatic withdrawal changes from my husband and my joint account to this emergency fund solely in my name without my permission. My account became overdrawn and ultimately the car payment was unable to be paid by me solely and was charged off. I repeatedly tried to contact the bank to no avail. Eventually I just gave up. 

After my husband and my separation I was also mailed a new debit card to an account I never opened. 

XXXX XXXX of the XXXX XXXX XXXX branch is likely to be responsible for this. I emailed many many times and tried to get in touch with someone to put in a fraud claim and got no help whatsoever. 

This happened in XXXX XXXX XXXX I just submitted a claim through this website moments ago but was unable to upload my documents. I'd like this to be attached to my previous complaint. 





COMPLAINT ID 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 2025-05-30 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Recently, I looked at a copy of my credit report and noticed several inaccuracies on my credit report. These addresses are hurting my ability to obtain credit. It is my understanding that you will investigate these addresses for me to ensure accuracy. Here are the addresses that I am asking you to investigate : XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX APT XXXX XXXXXXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX  XXXXXXXX XXXX  XXXX TX XXXX XXXX XXXX XXXX APT XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC 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 2025-05-30 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: FL

Complaint narrative:
To whom it may concern, I am formally contesting any inaccurate or undocumented information found in my credit report. This includes unverified claims, which I challenge under the FCRA and the accepted STANDARD of metro 2 data field reporting. The alleged delinquency and inquiries lack factual proof, and it is inappropriate to report claims known or should be known to be unlawful.

I hereby notify you to ensure the accuracy of all your claims, as mandated by the Metro 2 reporting standard. I kindly request verifiable physical evidence to substantiate the account 's existence and permissible usage. Should this evidence be lacking, I expect the removal of said account from the report. I authorize you to send me physical documentation of your actions and an updated 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 non-monetary relief
Consumer complaint received 2025-05-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
To whom it may concern, I am formally contesting any inaccurate or undocumented information found in my credit report. This includes unverified claims, which I challenge under the FCRA and the accepted STANDARD of metro 2 data field reporting. The alleged delinquency and inquiries lack factual proof, and it is inappropriate to report claims known or should be known to be unlawful.

I hereby notify you to ensure the accuracy of all your claims, as mandated by the Metro 2 reporting standard. I kindly request verifiable physical evidence to substantiate the account 's existence and permissible usage. Should this evidence be lacking, I expect the removal of said account from the report. I authorize you to send me physical documentation of your actions and an updated 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 2025-05-30 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: CT

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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-30 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: CT

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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-05-30 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: FL

Complaint narrative:
I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C. 1681c-2 and to request that this information be blocked immediately. Enclosed is a copy of my Police Report and FTC Identity Theft Report ( FTC Report Number : XXXX ) to support my identity theft claim. 
Under 15 U.S.C. 1681c-2, once a consumer submits an identity theft report, credit reporting agencies are required to block any information identified as resulting from identity theft within four ( 4 ) business days. 
The following information on my credit report is the result of identity theft and should be blocked : Fraudulent Accounts to Be Removed : XXXX. ACCOUNT DETAILS : Account Name : XXXXXXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX Account Opened : XX/XX/year> As required by law, this fraudulent information should be blocked for at least one year, after which I may request an extension of the block. During this time, you may not report this information on my credit file or indicate that my report contains any fraudulent data.

I have contacted the Transunion, on several occasions to report these fraudulent accounts, yet I have not received any resolution. This situation is seriously affecting my ability to qualify for a new home for my children. These same accounts were deleted and not verified by other credit bureaus, which raises serious questions about their legitimacy. 
I have also requested verification and contract documentation from the companies reporting these accounts, and more than 60 days have passed without any response. Therefore, I am requesting immediate action. 
Enclosed is my FTC Identity Theft Report. I respectfully request that you make a fair and just decision regarding my situation. 
Sincerely, 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 2025-05-30 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: NC

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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-05-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
There are unauthorized charges on account due to identity theft. I have called and asked for a complete list of all transactions. I have contacted the credit bureaus as well without success.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-30 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: IL

Complaint narrative:
I am filing a formal complaint regarding the inaccurate and unverified late payments being reported on my XXXX XXXX account ending in XXXXXXXX XXXX XXXX XXXX XXXX. Despite disputing this matter directly with the credit bureaus and the furnisher, the late payments remain on my credit report without proper validation or supporting documentation.

Under 15 U.S.C. 1681s-2 ( a ), furnishers are required to report only accurate information. Additionally, under 15 U.S.C. 1681i, credit bureaus are obligated to conduct a reasonable investigation within 30 days of receiving a dispute. Neither the furnisher nor the credit bureaus have provided sufficient evidence to justify the negative reporting.

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 2025-05-30 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: IL

Complaint narrative:
I am filing a formal complaint regarding the inaccurate and unverified late payments being reported on my XXXX XXXX account ending in XXXXXXXX XXXX XXXX XXXX XXXX. Despite disputing this matter directly with the credit bureaus and the furnisher, the late payments remain on my credit report without proper validation or supporting documentation.

Under 15 U.S.C. 1681s-2 ( a ), furnishers are required to report only accurate information. Additionally, under 15 U.S.C. 1681i, credit bureaus are obligated to conduct a reasonable investigation within 30 days of receiving a dispute. Neither the furnisher nor the credit bureaus have provided sufficient evidence to justify the negative reporting.

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 2025-05-30 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: GA

Complaint narrative:
I recently checked my credit reports and noticed billing errors, incomplete, and inaccurate information. You are in serious violation of the United States Code Law ( TILA ) 15 U.S. Code 1666 ( b ), billing error.

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 2025-05-30 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: TOYOTA MOTOR CREDIT CORPORATION
State: CA

Complaint narrative:
I was scammed and defrauded after my family members destroyed my bank accounts and all the programs that we are eligible to receive money from, they applied without my knowledge and took all the money for them from XXXX until now, making me in a state of very active bankruptcy. The subject of the complaint is considering my loss of my car in these circumstances. I bought a Toyota XXXX XXXX model from Toyota at the end of XX/XX/XXXX. The offered amount before adding the tax was {$26000.00}. After adding the tax amount imposed on {$29000.00}, I was surprised by the amount of {$34000.00}, a big difference. I paid {$10000.00}. The amount that I am paying in installments is {$24000.00}. Since my score credit is destroyed, I took an annual interest of 18.62 % over 60 months. The monthly installment is {$560.00}, starting from XXXX, the first month of payment. XXXX XXXX payment on XX/XX/XXXX original amount {$24000.00} I found that the amount after the first payment decreased by only {$8.00} and calculated {$550.00} intestate and the amount carried over to the next month became {$24000.00} instead of {$24000.00} I paid a payment for the month of XXXX on XX/XX/XXXX deducting {$180.00} from the original amount and calculated {$380.00} intestate and the following month deducting {$170.00} from the original amount and the rest intestate and in XXXX deducting {$180.00} and {$370.00} intestinal I paid XXXX months together XXXX and XXXX {$1100.00} The entire amount was calculated intestate and no amount was deducted from the principal of the loan I paid XXXX installments. The starting amount is {$24000.00} After XXXX payments the amount is {$23000.00} After XXXX payments the amount now is {$23000.00} That is, the amount decreased by {$590.00} After I paid {$4500.00} the amount decreased by only {$590.00} Only, that is, I calculated {$4000.00} Interested I called more than XXXX times and complained and did not find a solution to my problem There is no employee who can adjust my account I have a very difficult financial crisis and all of this is happening to me Also I found that he wrote that the installment period is 64 months instead of 60 months Also XXXX has not been due and I have XXXX late installments I find that he wrote 3 months delay and put XXXX within the delay and calculated for each late month another {$28.00} I can not believe that a company with its name and reputation and I find all these violations Please help me as I am going through an extreme financial situation as a result of the fraud and deception I was exposed to and now due to my circumstances I have not done anything as a result of the problems at home since I discovered the fraud and deception From my family members, please adjust the original amount of the car price, which is {$5000.00} extra, and also subtract the amounts I paid. Thank you.

Company response to consumer: Closed with explanation