vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-04 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Kriya Capital, LLC
State: IL

Complaint narrative:
I am a victim of the XXXX XXXX XXXX data breaches. This account does not belong to me. CREDENCE RESOURCE MANAGEMENT {$620.00} opened XXXXXXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN

Complaint narrative:
Pursuant to 15 U.S. code 1681b ( 2 ). A consumer reporting agency may only furnish a consumer report with the written instructions of the consumer to who it relates. I declare that I am a Consumer '' did not give any consent or authorization for anyone to furnish, convey or report any of my consumer information. This is abusive practice pursuant to 15 USC 1692 ( a ) as this is damaging my reputation, causing marital instability, to the loss of jobs and the invasion of my individual privacy.

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 2025-08-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: MN

Complaint narrative:
Pursuant to 15 U.S. code 1681b ( 2 ). A consumer reporting agency may only furnish a consumer report with the written instructions of the consumer to who it relates. I declare that I am a Consumer '' did not give any consent or authorization for anyone to furnish, convey or report any of my consumer information. This is abusive practice pursuant to 15 USC 1692 ( a ) as this is damaging my reputation, causing marital instability, to the loss of jobs and the invasion of my individual privacy.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-04 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: GA

Complaint narrative:
My information was stolen and there is XXXX collection account from XXXX XXXX  and sold my data to another company. This account has violate my rights.

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 2025-08-04 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Experian XXXX XXXX XXXX block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name XXXX XXXXXXXX XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ACCOUNTS XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened XXXX XXXXXX/XX/XXXX, Balance : {$470.00} XXXX XXXX XXXX  Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened XXXX XXXXXX/XX/XXXX, Balance : {$5000.00} XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$160.00} XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$1900.00} INQUIRIES : XXXXXXXX XXXX  Date : XX/XX/XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX Date : XX/XX/XXXX XXXX XXXX  Date : XX/XX/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 2025-08-04 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: IN

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading 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 2025-08-04 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:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Lendmark Financial Services
State: FL

Complaint narrative:
Lendmark Financial is furnishing a tradeline with account number ending in XXXX, reporting it as a charged-off account with a balance of {$3700.00}. However, I provided documentation showing that I am not legally liable for this account. The promissory note they originated explicitly states : The undersigned is/are not liable for this loan but grants a security interest and includes a checkbox for consumer goods, referencing a personal property list that is not included or attached. 

Additionally, Lendmark claims to have sold this account to XXXX XXXX, who is reporting a different account number ( XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-04 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: NJ

Complaint narrative:
On XX/XX/year>, I submitted a formal dispute to Equifax regarding an inaccurately reported account listed as XXXX ending in XXXX. This account appears on my Equifax credit report as Collection/Chargeoff with a {$0.00} balance and {$0.00} past due as of the last update on XX/XX/year>. This is materially misleading and violates the Fair Credit Reporting Act ( FCRA ) under 15 U.S.C. 1681e ( b ), which requires that all information reported be accurate and not contradictory. 

An account can not be legally marked as charged off while simultaneously reporting a XXXX balance and no delinquency unless fully satisfied or canceledand no such documentation has been provided. Additionally, payment history appears to show activity after the alleged charge-off, which constitutes duplicate derogatory reporting and further violates CFPB guidance on fair and consistent reporting. 

No valid proof has been provided to confirm the accounts charge-off status, the balance resolution, or its alleged transfer to a secondary lender. I have not authorized the public dissemination of inaccurate or unverifiable information, which also violates 15 U.S.C. 1681b regarding permissible purpose. 

This item has caused material harm to my credit profile and should be immediately corrected or deleted.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-04 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Zions Debt Holdings
State: TX

Complaint narrative:
I submitted a written debt validation request to Zions Debt Holdings on XX/XX/year>. They confirmed receipt but never provided any proof of the debt. As of XX/XX/XXXX, the account is still on my credit report and they have not validated the debt. Under the Fair Debt Collection Practices Act ( FDCPA ), this is illegal. 

I followed up with multiple calls. The first representative was dismissive, said repeating himself doesnt scare him, and hung up on me. Another call came from a woman who refused to identify her position, became hostile, and also hung up. They admitted the calls were recorded. 

I sent multiple written notices demanding removal of the unvalidated debt and confirmation by XX/XX/year>. Their behavior shows bad faith and non-compliance with federal law.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-04 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:
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, Balance : {$220.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, Balance : {$980.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, Balance : {$35000.00} 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, Balance : {$200.00} INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 2025-08-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have an experian account, I was finally able to login, but I needed to change my phone number and my email address but it is impossible to do that. When I try to change my number it sends a code to my old deleted email address so I cant do that, if I try to change my email address it sends a code to my old deleted phone number. 

I tried calling but only ever get an automated system that gives me like two options for support, one is for disputes and the other is for fraud, when I ask to speak to a human it hangs up automatically or says I have to pick one of the two options. So I decided to pick an option to hope that I can speak with a real person to get help, I choose the option to make a dispute and then the bot said oh we cant help you with that and then it hung up. Even after they stated it can help me with that, it should be illegal to not allow it for such important information regarding my SS and locking me out of my own account because that's is what is going to happen because I wont be able to login again.

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 2025-08-04 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:
This letter serves as my second formal dispute regarding unauthorized hard inquiries appearing on my credit report. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681b, a credit reporting agency is prohibited from including inquiries on a consumers report unless there is permissible purpose as defined by law.

I have not provided authorization for these entities to access my credit report, and therefore these inquiries are in violation of 15 U.S.C. 1681b ( f ). Continuing to report these inquiries after notice of dispute also violates 15 U.S.C. 1681i ( a ) and 1681s-2 ( b ), which require prompt investigation and correction of inaccurate information.

Action Required : Immediately delete these unauthorized hard inquiries from my credit report.

Provide me with written confirmation of the removal.

If these inquiries are not removed within 15 days of receiving this notice, I will consider this a willful non-compliance and proceed with legal action for damages under 15 U.S.C. 1681n, which allows for recovery of actual damages, punitive damages, and attorneys fees. This includes seeking statutory damages up to {$1000.00} per violation. 
Please treat this matter with urgency. I expect a full resolution and confirmation in writing. 
On XX/XX/year>, XX/XX/year>, XX/XX/year>, XX/XX/year>, XX/XX/year> Nothing has changed nor have a receive any proof or how was it investigated who investigated this matter and why it remains on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
I have been a loyal American Express cardholder for over XXXX years with a perfect payment history. In XX/XX/2025, proactively and well before missing any payment, I reached out to American Express to inquire about their XXXX XXXX XXXX because I wanted to avoid falling behind on payments. 

On XX/XX/2025, I was informed that my account was not eligible for any relief program at that time due to criteria based on my credit profile and financial information. I asked if there was any internal flexibility or alternative arrangement to temporarily lower my payments and interest so I could stay on track, but I was told there was no help available. 

Despite this denial, I made full payments while facing ongoing financial hardship, including a year of unemployment and using up my savings. In XX/XX/2025, after finally starting a new job, I contacted Amex again to enroll in the Short Term Financial Relief Program. I was told I needed to make an immediate payment of {$160.00} to enroll, but I only had {$40.00} available. 

I explained my situation honestly and requested a temporary break or lower payment plan to protect my credit, but Amex refused to offer any alternative or deferral without that upfront payment. I repeatedly requested to speak with a supervisor or hardship specialist for further assistance, but was refused escalation and instead redirected to a general phone number. 

XXXX rigid policy and refusal to provide any flexibility have put me at risk of late payments and credit damage, despite my proactive efforts and good faith communication. I am not refusing to pay ; I am financially unable to pay the required amount upfront and am only seeking temporary relief to avoid further harm. 

I believe XXXX handling of my case is unreasonable and harmful, given my history and the circumstances.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-04 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:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX -- {$0.00} XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX -- {$0.00} XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX {$0.00} UNAUTHORIZED INQUIRIES XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-04 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Radius Global Solutions LLC
State: MD

Complaint narrative:
Fraudulent Collection Account Request for Blocking per FCRA 605B Dear CFPB, I am writing to formally dispute and request the immediate blocking and removal of a fraudulent collection account that has been reported on my credit report. This account does not belong to me and was opened without my knowledge, authorization, or consent. I am a victim of identity theft, and pursuant to Section 605B of the Fair Credit Reporting Act ( FCRA ) [ 15 U.S.C. 1681c-2 ], I am requesting that you take immediate action to block the reporting of this account. 

Details of the Fraudulent Account : XXXX XXXX Name : Radius Global Solution Account Number ( last XXXX digits ) : XXXX Date Opened : XX/XX/XXXX Amount : {$1200.00} Creditor/Collection Agency Name : XXXX XXXX XXXX  Account Number ( last XXXX digits ) : XXXX Date Opened : XX/XX/XXXX Amount : {$1600.00}

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 2025-08-04 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: IL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 
1681c-2 ) that you, the Equifax Information Services XXXX block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name XXXX XXXXXXXX XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ACCOUNTS XXXX XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance XXXX {$1500.00} INQUIRIES XXXX XXXX Date : XX/XX/XXXXXXXX XXXX Date XXXX XX/XX/XXXX XXXX  Date : XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-04 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: GA

Complaint narrative:
This letter serves as my second formal dispute regarding unauthorized hard inquiries appearing on my credit report. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681b, a credit reporting agency is prohibited from including inquiries on a consumers report unless there is permissible purpose as defined by law.

I have not provided authorization for these entities to access my credit report, and therefore these inquiries are in violation of 15 U.S.C. 1681b ( f ). Continuing to report these inquiries after notice of dispute also violates 15 U.S.C. 1681i ( a ) and 1681s-2 ( b ), which require prompt investigation and correction of inaccurate information.

Action Required : Immediately delete these unauthorized hard inquiries from my credit report.

Provide me with written confirmation of the removal.

If these inquiries are not removed within 15 days of receiving this notice, I will consider this a willful non-compliance and proceed with legal action for damages under 15 U.S.C. 1681n, which allows for recovery of actual damages, punitive damages, and attorneys fees. This includes seeking statutory damages up to {$1000.00} per violation. 
Please treat this matter with urgency. I expect a full resolution and confirmation in writing. 
On XX/XX/year>, XX/XX/year>, XX/XX/year>, XX/XX/year>, XX/XX/year> Nothing has changed nor have a receive any proof or how was it investigated who investigated this matter and why it remains on 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 2025-08-04 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: CA

Complaint narrative:
I am writing to dispute inaccurate personal information currently listed on my credit report. Upon reviewing my report, I found incorrect details under my personal profile, such as outdated or unfamiliar names, addresses, phone numbers, and/or employment history. 
I have not used or been associated with some of the information listed, and the presence of these inaccuracies could result in misidentification, confusion with other individuals, or even potential fraud. I have already submitted requests for correction and provided documents to verify my true and current information, yet the errors remain unresolved. 
These inaccuracies are not only misleading but could also impact future credit decisions. Under the Fair Credit Reporting Act ( FCRA ), I have the right to ensure that all personal information in my credit report is accurate and up to date.

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