vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately. 
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 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

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 2025-04-07 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:
MY PERSONAL INFORMATION WAS INVOLVED IN BOTH EQUIFAX AND XXXX DATA BREACH. I OBTAINED A COPY OF MY CREDIT REPORT AND IDENTIFIED ACCOUNTS THAT I HAVE NO KNOWLEDGE OF, NOR HAVE I EVER OPENED. 

I CONTACTED EACH BUREAU BY PHONE AND FOLLOWED BY CERTIFIED MAIL REQUESTING VERIFICATION OF EACH ACCOUNT. EACH ACCOUNT IS UNVERIFIABLE BUT STILL REPORTING TO MY CONSUMER PROFILE.

I HAVE THE RIGHT TO PRIVACY AND HAVE NOT GIVEN ANY WRITTEN PERMISSION FOR THIS INFORMATION TO BE FURNISHED TO MY PROFILE WHICH IN VIOLATION OF 15 USC 1681B FURNISHING ACCOUNTS IN DIRECT RESULT OF IDENTITY THEFT IS IN VIOLATION OF 15 USC 1681 C-2 EACH BUREAU HAS THE RESPONSIBILITY OF REPORTING MAXIMUM ACCURACY, REPORTING INACCURATE ACCOUNTS IS IN VIOLATION OF 15 USC 1681EB .

DUE TO THE NEGLIGENCE OF EACH BUREAU IF NOT CORRECTED WITHIN 15 BUSINESS DAYS I WILL BE SEEKING MONETARY COMPENSATION OF {$1000.00} PER VIOLATION AND LEGAL ACTION

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 2025-04-07 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: IL

Complaint narrative:
I am filing a complaint against Experian, TransUnion, and Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Experian, TransUnion, and Equifax consistently respond within 24 hours stating the accounts are accurate, without providing any evidence of a thorough investigation. 
This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Experians, TransUnions, and Equifaxs actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Experian, TransUnion, and Equifax complies with federal law and provides consumers with the necessary proof of investigation. The following accounts are inaccurate : 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-07 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: IL

Complaint narrative:
I am filing a complaint against Experian, TransUnion, and Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Experian, TransUnion, and Equifax consistently respond within 24 hours stating the accounts are accurate, without providing any evidence of a thorough investigation. 
This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Experians, TransUnions, and Equifaxs actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Experian, TransUnion, and Equifax complies with federal law and provides consumers with the necessary proof of investigation. The following accounts are inaccurate : 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 non-monetary relief
Consumer complaint received 2025-04-07 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: Kriya Capital, LLC
State: WA

Complaint narrative:
I am filing a complaint against Credence Resource Management, who is reporting a collection account for a XXXX  debt on my credit report. This account appears on both XXXXXXXX XXXX XXXX 

On XX/XX/year>, I sent a debt validation letter to Credence Resource Management via certified mail. They received it on XX/XX/year> ( USPS tracking confirmed ). I formally requested : A signed contract or original agreement A full itemized breakdown of charges Proof Credence had legal authority to collect Proof the debt was still within statute of limitations Credence never responded to me directly. Instead, the original creditor XXXX XXXX XXXX  sent a generic billing statement, which does not meet FDCPA validation standards. 

Despite the lack of proper validation, Credence continued to report the debt to XXXX and reinserted it on XXXX after it had previously been marked closed. This reinsertion was made without proper notice, which violates Section 611 ( a ) ( 5 ) ( B ) of the Fair Credit Reporting Act. 

Also, my XXXX credit report is missing the Scheduled Removal Date, which is required for all negative accounts. 

I have included : My validation request letter Proof of USPS delivery The XXXX  statement they used to validate the debt My XXXX dispute letter Screenshots showing the account status changes on my credit reports

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-07 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 filing a compliant bc my credit is reporting late payments on my XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX that are inaccurate and not properly verified, showing late payments. I have disputed this directly with the credit bureaus and the furniture but the late payments remain without proper validation or documentation. Under 15USC 1681 XXXX XXXX  must report accurate information under 15 USC 1681 i, the credit bureaus must perform a reasonable investigation within 30 days. Neither of them have provided sufficient evidence to support the negative reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-07 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: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date : [ Insert Date ] Equifax Information Services LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Subject : Request for Removal of Fraud Alert Dear Equifax Customer Service , I am writing to request the removal of the fraud alert currently placed on my credit report. The alert was initially added due to suspected fraudulent activity, but I have since resolved the issue and no longer require the alert. 
Please find my personal information below for verification purposes : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I kindly ask that you remove the fraud alert from my credit report at your earliest convenience. If you require any additional information or documentation to process this request, please let me know. 
Thank you for your prompt attention to this matter. 
Sincerely, 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 2025-04-07 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:
I am writing once again to follow up on my previous disputes regarding the inaccuracies in my personal information appearing on my credit report. My initial dispute letter was sent on XX/XX/XXXX, and I have yet to receive confirmation that my concerns have been addressed or that any corrective action has been taken. Additionally, I sent a follow-up letter on XX/XX/XXXX, but I still have not received a response. 

To reiterate, my correct and up-to-date personal information is : Full Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX California XXXX Social Security XXXX : XXXX Date of Birth : XX/XX/XXXX In my initial dispute, I provided supporting documentation, including a copy of my government-issued ID, a utility bill, and my Social Security card, to validate my identity and substantiate my claim. However, the inaccurate addresses remain on my credit report, which is unacceptable. 

Under the Fair Credit Reporting Act ( FCRA ), you are legally required to investigate disputes and correct any inaccurate information within the mandated timeframe. Your continued failure to address this matter not only violates my rights but also raises concerns regarding compliance with federal law. 

I am formally requesting the following actions : Immediate removal of the erroneous addresses from my credit report.

An updated credit report reflecting the corrected information.

Written confirmation of the actions taken to resolve this dispute.

If I do not receive a satisfactory response within 10 days of receipt of this letter, I will have no choice but to escalate this matter to the Consumer Financial Protection Bureau ( CFPB ) and consider further legal action. 
XXXX XXXX XXXX, XXXX, CA, XXXX & XXXX XXXX XXXX XXXX XXXXXXXX CA 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 2025-04-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I mailed Equifax a letter of validation and I have not received the validation of debt and the inaccurate accounts have not been removed from my credit report. I have attached the certified receipt and the letter was mailed XX/XX/year>. I believe that Equifax has violated the Fair Debt Collection Practices Act ( FDCPA ) by failing to provide proper verification and validation of the debt upon my request. Despite multiple attempts to obtain documentation proving the validity of the debt. XXXX has not provided adequate verification as required by law. This has negatively impacted my credit score and financial standing. This action constitutes a violation of my rights under the FDCPA. I request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action against XXXX for their non-compliance with federal debt collection laws. I also request that XXXX be instructed to remove the collection account from my credit report until proper verification of the debt is provided. I appreciate your attention to this matter and look forward to a prompt resolution. Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-07 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: PA

Complaint narrative:
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance details 74 % paid off Balance {$10000.00} Balance updated XX/XX/XXXX Original balance {$41000.00} Account info Account number XXXX Date opened XXXX XXXX, XXXX XXXXXXXX XXXX XXXXXXXX XXXX 64 % paid off Balance {$11000.00} Balance updated XX/XX/XXXX Original balance {$32000.00} Account info Account number XXXX Open/closed Closed Date opened XX/XX/XXXX Account type Installment account Payment summary No payment history available to display. 

Status Charged off as bad debt Status updated XX/XX/XXXX Past due amount {$11000.00} Original balance {$32000.00} XXXX XXXX XXXX LATE PAYMENTS Credit usage 0 % Balance {$0.00} Balance updated XX/XX/XXXX Credit limit {$2000.00} Account info Account number XXXX Open/closed Closed Date opened XX/XX/XXXX Account type Revolving account XXXX XXXX  usage 69 % Balance {$5500.00} Balance updated XX/XX/XXXX Credit limit {$8000.00} Account info Account number XXXX Open/closed Closed Date opened XX/XX/XXXX Account type Revolving account XXXX Inquiry date XX/XX/XXXX XXXX date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX  XXXX Inquiry XXXX XX/XX/XXXX XXXX date XX/XX/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 2025-04-07 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: NC

Complaint narrative:
I was scammed by an individual on XXXX who promised to send XXXX XXXX XXXX XXXX  in exchange for {$300.00}. After I sent the money, I was immediately blocked on all platforms, and the promised content was never delivered. This was clearly a fraudulent transaction, and I am seeking assistance in recovering my funds. The money was sent through CashApp and the money was XXXX from my XXXX XXXX XXXX Please note I sent a previous complaint through CFPB but forgot to attach payment ID information. 

Transaction ID from CashApp is XXXX XXXX XXXX I have provided a screenshot.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-07 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: EQUIFAX, INC.
State: GA

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY ''CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-07 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: Aldous & Associates, PLLC
State: NY

Complaint narrative:
I recently viewed my credit report and noticed that there are fraudulent accounts and credit cards that were open in my name and not to my knowledge. Please can you remove these fraudulent accounts from my credit report as they are not accurate, and they are hurting my credit score and chances of obtaining credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-07 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: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
I recently viewed my credit report and noticed that there are fraudulent accounts and credit cards that were open in my name and not to my knowledge. Please can you remove these fraudulent accounts from my credit report as they are not accurate, and they are hurting my credit score and chances of obtaining credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-07 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: CA

Complaint narrative:
I recently reviewed a copy of my credit report. I was shocked to learn that I have been a victim of identity theft. I found numerous accounts and inquiries on my credit report that wasn't opened by me. This has been hurting me as I am in the process of purchasing a home for my family. I also discovered that my information had been exposed in the XXXX data breach and I'll provide proof of that as well. Please remove these accounts inquiries from my credit report and as soon as possible. Thank you. Other fraudulent accounts listed as follows. 
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 non-monetary relief
Consumer complaint received 2025-04-07 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: TX

Complaint narrative:
Name : XXXX XXXX SS XXXX XXXX : XX/XX/XXXX This CFPB complaint has been filed to request pursuant to FCRA section 605B ( 15 U.S.C. section 1681c-2 ) that you, TransUnion credit reporting agency block information appearing on my consumer report that is the result of identity, theft, and fraud within XXXX business days of you receiving this complaint. This fraudulent inaccurate and false information consist of a personal credit card ( XXXX ) XXXX. Account XXXX : XXXX, Account XXXX. XXXX, Date Opened : XX/XX/XXXX, Balance : {$430.00} ; Address : XXXX XXXX XXXX XXXX, OH XXXX. 
XXXX XXXX : XXXX Account, XXXX. XXXX, Date Opened : XX/XX/XXXX, Balance : {$57000.00} ; Address XXXX XXXX XXXX XXXX XXXX, IA XXXX. 
XXXX. Account XXXX : XXXX, Account XXXX. XXXX, Date Opened : XX/XX/XXXX, Balance : {$14000.00}, Address : XXXX XXXX XXXX, XXXX, OH XXXX. 
XXXX. Account XXXX : XXXX, Account XXXX. XXXX, Date Opened : XX/XX/XXXX, Balance : {$5500.00} ; Address : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, IL XXXX. 
XXXX Name : XXXX XXXXcount XXXX, Date Opened : XX/XX/XXXX, Balance : {$2500.00} ; Address : XXXX XXXX XXXX XXXX XXXX, SD XXXX. 
XXXX Name : XXXX, Account XXXX, Date Opened : XX/XX/XXXX, Balance : {$5000.00} ; Address : XXXX XXXX XXXX XXXX, XXXX, FL XXXX. 

These accounts have resulted in several fraudulent, hard inquiries and negative collections appearing on my consumer FICO credit report. I have attached a list of the hard inquiries in question? In addition to a copy of the consumer FICO credit report maintained by your corporation, which shows the mentioned fraudulent items I do not recognize these above accounts, collections + hard inquiries as your corporation has reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me myself and I. All of the aforementioned accounts, collections and hard inquiries are the result of identity, theft, and fraud. I have attached a copy of the " FTC Identity Theft Criminal Complaint No. XXXX as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts collections and hard inquiries are the result of identity, theft, and fraud.

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