vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Servicer under contract with Federal Student Aid
State: TN

Complaint narrative:
I have my identity stolen. Someone opened a XXXX  XXXX in my name and I went too school especially were they said I did. I am XXXX and XXXX  XXXX and I live in XXXX XXXX  and the school in XXXX  which I never lived there. I have a ftc report and police report. I have sent them all in too the credit bureau too and not help at all.

Company response to consumer: Untimely response
Consumer complaint received 2025-05-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I want to dispute these accounts because it was affecting my credit report, it was caused by Identity Theft. I did not make these charges. I am having problems with this unfair treatment. These accounts were taken care of with the original creditor and promised me to update it out of my report. Therefore, these accounts shouldn't be in my report. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-24 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: MN

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 2025-05-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX USC XXXX. 

XXXX - XXXX XXXX XXXX XXXX XXXX XXXX OF XXXX - XXXX XXXX  - XXXX XXXX  XXXX - XXXX XXXX XXXX ASSOC - XXXX XXXX XXXX  - XXXX XXXX OF XXXX - XXXX XXXX - XXXX List of Unauthorized Inquiries : XXXX XXXX XXXX - XXXX XXXX U.S.C XXXX section XXXX A. XXXX I have the right to privacy. 

XXXX U.S.C XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX U.S.C XXXX. ( a ) ( XXXX ) XXXX States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

XXXX U.S.C. XXXX ( A ) ( XXXX ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-05-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
I've recently checked my consumer report and noticed some inaccurate accounts reporting. This unfair information is causing great harm to my family. It's hard for me to get approved for housing and transportation for my family. I'm not sure if these accounts are a result of identity theft or if they are just reporting inaccurately. Please see the attached document with all of the accounts in question.

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 2025-05-24 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: RI

Complaint narrative:
I have sent multiple requests for a reinvestigation into the following inaccuracies on my report. Transunion has failed to provide any acceptable amount of proof to verify XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The return response from Transunion is continually verified with no proof provided. I am demanding Transunion to provide proof for the method of verification, if you can not provide proof, remove the inaccurate accounts/items from my consumer report. According to federal law, you are required to comply with the requirements imposed under the FCRA, 15 U.S.C. 1681 et seq., including but not limited to : 4 ) provide consumer file pursuant to 15 U.S.C. 1681g ; 5 ) et seq. Accordingly, I request your company to provide verifiable documentary proof ( e.g., original consumer contract or similar proof bearing my wet ink signature on it ) you have on file of accounts/items listed below. Under the FCRA, if you do not provide documented and verifiable proof, you must remove all unverified, invalid, derogatory information from my consumer 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 2025-05-24 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: DC

Complaint narrative:
XXXX reported that I was late with payments in XXXX  when my loans were transferred in XXXX. I have filed numerous complaints but they wont update my credit report accurately. This will be my last attempt prior to getting an attorney involved.

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 2025-05-24 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: DC

Complaint narrative:
XXXX reported that I was late with payments in XXXX  when my loans were transferred in XXXX. I have filed numerous complaints but they wont update my credit report accurately. This will be my last attempt prior to getting an attorney involved.

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 2025-05-24 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: DC

Complaint narrative:
XXXX reported that I was late with payments in XXXX  when my loans were transferred in XXXX. I have filed numerous complaints but they wont update my credit report accurately. This will be my last attempt prior to getting an attorney involved.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-24 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: GA

Complaint narrative:
XXXX, Equifax, and XXXX  is showing late Payments to XXXX, XXXXXXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-24 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: GA

Complaint narrative:
Experian, XXXX XXXX XXXX is showing late Payments to XXXX, XXXXXXXX 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 2025-05-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXXs showing late Payments to XXXX, CAP1/Kohls XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-24 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: SYNCHRONY FINANCIAL
State: NJ

Complaint narrative:
I sent letter to them asking them to eliminated a late payment reported on XX/XX/XXXX XXXX that payment was made in time.

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 2025-05-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
On today call Capital One to assist in removing 23 month inquiry on credit report. Per representative we don't do that there is no department to refer me too which handles that. I must send a letter with all my information to Capital One XXXX XXXX XXXX XXXX XXXX XXXX UT XXXX. And may be they may respond. Or I should contact the Credit Bureau and they will determine when it will be removed. At this point I'm not sure who takes care if this matter. And I don't like placing all my personal information that was requested for the inquiry the mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX XXXX : # XXXXXXXX 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 XXXXXXXX. 15 U.S.C. 1681 Section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681c. ( a ) ( 5 ) Section states : No consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-05-24 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Kriya Capital, LLC
State: TN

Complaint narrative:
I hereby dispute the validity of the alleged debt listed above entirely. I also request verification of the alleged debt, specifically, a copy of the ORIGINAL PURCHASE AGREEMENT. Agreement must be with the original creditor and signed by all parties involved. I am requesting this because I have had different companies reach out to me about this same alleged debt. I am requesting immediate deletion of all prior reporting made to any consumer reporting agencies, XXXX XXXX XXXX and XXXX. You must Cease Collection efforts until this alleged debt is validated. You must show proof that you legally own this alleged debt and this it is accurate and complete.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-24 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: IL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX List of Unauthorized Inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-24 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: Yamaha Motor Finance Corporation USA
State: IL

Complaint narrative:
Please note the above referenced accounts were opened FRAUDULENTLY ; as a result of Identity Theft. My information was compromised & fraudulently used without my permission. My name, social security number, along with fake addresses, emails & phone numbers were also fraudulently used by the fraudster ( s ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-24 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: ALLIANT CREDIT UNION
State: NY

Complaint narrative:
XX/XX/XXXX, I initiated balance transfer on Alliant credit card online for {$3000.00} for my XXXX card. I received immediate message that it was approved. Few minutes later initiated {$5000.00} balance transfer for XXXX XXXX. I received immediate message it was declined. XX/XX/XXXX, Alliant credit card indicated pending for both transactions. I immediately selected the {$5000.00} transaction and selected cancel left a message that said I would like to cancel this transaction. I got no response. I logged in again XX/XX/XXXX and sent transaction inquiry and left mesage : When I requested the {$5000.00} balance transfer offer, the message I received was that it was denied, so I made other arrangements. I want to cancel the {$5000.00} balance transfer offer ONLY. Do NOT cancel the {$3000.00} balance transfer offer. Thank you. No response. I sent another message XX/XX/XXXX via online and requested to cancel the transaction. No response. I called XX/XX/XXXX @ XXXX and spoke to customer service representative explained all the effort I had made to cancel the transaction, she said she could see my messages and that she will send my request over. I received from first response to my messages XX/XX/XXXX @ XXXX and I also saw that the transactions were no longer pending but completed. I replied to all the responses and said that my request was not completed. I left electronic messages on XX/XX/XXXX and XX/XX/XXXX. No response. I also called at XXXX point and was told to contact XXXX and ask them to return the money. XX/XX/XXXX, I sent an overnight letter ( see attachment and USPS receipt and delivery ) to Alliant in hopes to resolve the issue quickly and made an offered that included letting me know they received my letter. I did not hear from them and then on XX/XX/XXXX, they withdrew {$7700.00} from my Alliant Savings account. I filed a complaint with CFPB and requested my funds be returned. I received my funds now I want Alliant to honor their Customer Bill of Rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am writing to formally submit a complaint regarding multiple unresolved violations of my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 et seq., as committed by various credit reporting agencies and data furnishers. Despite repeated disputes submitted to Equifax, Experian, and TransUnion, inaccurate and unverifiable information continues to appear on my credit reports. 

Several addresses that have never been associated with me remain erroneously listed on my reports. These include : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX This misreporting of address history is not only misleading but poses a serious risk of identity confusion or fraud. Under 15 U.S.C. 1681e ( b ), credit bureaus are required to follow reasonable procedures to ensure maximum possible accuracy of the information they report. These entries fail that standard. 

The following accounts are also inaccurately or unlawfully reported : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ) : * * Listed with late payments that remain unverified. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ) : * * Improperly classified as a charge-off. 

XXXX XXXX ( XX/XX/XXXX ) : Shows a {$0.00} balance yet is reported as a charge-off, an internal contradiction. 

XXXX ( XX/XX/XXXX ) : Reported as a {$1300.00} charge-off without any notice or validation. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : Reported as collections without any FDCPA-compliant debt validation. 

Further, the following inquiries were made without my authorization or a clearly established permissible purpose, in violation of 15 U.S.C. 1681b : 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 XXXXXX/XX/XXXX ) These inquiries have negatively affected my creditworthiness and appear to have been obtained without my consent or any legitimate need. 

I have provided documentation, submitted disputes, and waited for reinvestigations under 15 U.S.C. 1681i, all of which have yielded either inadequate responses or no action. The continued misreporting has directly led to credit denials, emotional distress, and financial harm. I request the Bureau to investigate these ongoing violations and enforce immediate correction or deletion of the erroneous entries.

Thank you for your time and attention to this serious matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
Three of my credit cards were closed by Synchrony Bank to include Sams Club, Amazon XXXX XXXX and JCPenney. I have a XXXX balance on my JCPenney card and maintained payments on a regular basis. I have maintained regular current payments on Sam 's Club and Amazon XXXX  and JCPenney which is documented on their records. I have previously paid the full balance on Amazon XXXX XXXX and continued to utilize the card to purchase from Amazon. The Sam 's Club voluntarily increased my credit limit without my request. I discovered the accounts were closed when I looked at my accounts through their apps. I phoned Synchrony Bank on XX/XX/XXXXXXXX  to inquire why my account was closed with Sam 's. The reason given was not clear and seems to be without cause. These companies approved my requests for credit without hesitation. I have not received any written notice by mail, email or text nor have I received a phone call from any of these creditors. I claimed bankruptcy in XXXX  following my job layoff and all of these approved my credit requests since that time without delay. I am requesting your assistance with this situation as I do not feel I have given cause for this action on their part and especially without any notice to date, XX/XX/XXXX. 
In addition, my credit score on both the Amazon XXXX XXXX and Sam 's Club app is XXXX. I am no longer able to access my JCPenney card account. I did not close my accounts thru their apps or any other way.

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 2025-05-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: TRUIST FINANCIAL CORPORATION
State: GA

Complaint narrative:
XX/XX/ {$3500.00} ( DEBIT ) I made payment to fake website Next day I filed claim at branch The informed me only unauthorized payment can be reversed

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