vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-13 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: AR

Complaint narrative:
I am writing to formally dispute several inaccuracies currently reported on my credit file. These include incorrect addresses, employer data, collection accounts, and unauthorized inquiries. Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any information that is inaccurate, outdated, or unverifiable, and I respectfully request a reinvestigation of the following items. 
First, the addresses XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXXXXXX, XXXX XXXXXXXX XXXX XXXX XXXXXXXX, and XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXXXXXX are not connected to me and should not appear on my credit report. These addresses are inaccurate and may be the result of file mixing or reporting errors. My only correct and current address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX. 
Secondly, the employers Natural-and-State-Health ( dated XX/XX/year> ) and XXXX XXXX ( dated XX/XX/year> ) are also incorrectly reported. I have never been employed by these entities, and their inclusion on my credit report is inaccurate. 
Additionally, I dispute the following collection accounts, which I Additionally, the accounts XXXX Account ending in XXXX * with a reported balance of {$12000.00}, and XXXX  Account ending in XXXXXXXX XXXX  with a reported balance of {$33000.00} are not familiar to me and should not be reflected on my credit report. I have never received any formal communication, billing, or validation of these debts, nor have I acknowledged any responsibility for them. These collections are inaccurate, potentially unverified, and may stem from reporting errors or mistaken identity. 
Furthermore, the inquiries from XXXX XXXX ( dated XX/XX/year> ) and XXXX ( dated XX/XX/year> ) were made without my knowledge, authorization, or prior consent. I did not apply for credit with either entity on or around that date. These inquiries are unauthorized and must be removed to ensure the accuracy of my credit file.

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 2025-09-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am writing to formally dispute inaccurate or omitted information currently associated with my credit report. Upon reviewing my file, I discovered that multiple student loan accounts have either been omitted completely or are not reporting delinquency details in a manner consistent with other credit bureaus.

These discrepancies not only reflect inconsistently on my credit profile but also constitute violations under the Fair Credit Reporting Act ( FCRA ) and the Fair Credit Billing Act ( FCBA ). 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$23000.00}

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 explanation
Consumer complaint received 2025-09-13 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: DC

Complaint narrative:
Consumer Reporting Agencies play a crucial role in gathering and assessing consumer credit information. However, they must exercise their responsibilities with fairness, impartiality, and respect for the consumers right to privacy. The banking system relies on accurate and fair credit reporting, and when these reporting methods are unfair, it undermines public trust, which is vital for the system 's stability. I never gave my explicit, written consent for these agencies to report my information, which is a violation of 15 U.S. Code 1681b ( 2 ). This violation has led to an alleged case of identity theft, breaching 15 U.S. Code 1681c-2. The accounts in question are not related to any transactions made by me.

The Fair Debt Collection Practices Act was created to ensure that laws and procedures are in place to protect consumers from abusive, deceptive, and unfair practices by debt collectors. In this case, the company has violated 15 U.S. Code 1692f, which prohibits debt collectors from using unfair or unconscionable means to collect a debt. Specifically, they can not collect any amounts that arent explicitly authorized by the agreement or allowed by law. Additionally, the company has violated 15 U.S. Code 1692e, which prohibits the use of false, deceptive, or misleading representations in debt collection efforts. This includes using deceptive methods to collect a debt or gather consumer information. Moreover, they are forbidden from contacting consumers at inconvenient times or places, or engaging in behavior that harasses or abuses consumers.

In this case, the company has harassed me by claiming I owe a debt that I do not recognize as my responsibility. They have also contacted me at inconvenient times and places, in violation of the law. 

Disputed Accounts : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$440.00} XXXXXXXX XXXX XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$120000.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$320000.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  - XX/XX/XXXX - {$4400.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$3100.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$1900.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$16000.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$0.00} Inquiries : 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 XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-13 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: AK

Complaint narrative:
I reviewed my credit report in detail and was deeply concerned to find multiple inaccuracies that do not accurately reflect my true financial history. I have always made a conscientious effort to meet my financial obligations on time, maintain responsible credit behavior, and manage my accounts diligently. Despite my careful management, several accounts on my credit report are being reported in ways that are inconsistent, misleading, incomplete, or unverifiable. This misreporting not only misrepresents my creditworthiness but also has the potential to negatively impact my ability to secure credit, housing, employment, and other opportunities. In light of these issues, I am submitting this dispute under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and respectfully request a thorough and comprehensive reinvestigation of the items outlined below. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXXXXXX XXXX XXXX Balance Owed : {$91.00} XXXX XXXX XXXXXXXX XXXX XXXX  Balance Owed : {$950.00} XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$950.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-13 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: IA

Complaint narrative:
Consumer Reporting Agencies play a crucial role in gathering and assessing consumer credit information. However, they must exercise their responsibilities with fairness, impartiality, and respect for the consumers right to privacy. The banking system relies on accurate and fair credit reporting, and when these reporting methods are unfair, it undermines public trust, which is vital for the system 's stability. I never gave my explicit, written consent for these agencies to report my information, which is a violation of 15 U.S. Code 1681b ( 2 ). This violation has led to an alleged case of identity theft, breaching 15 U.S. Code 1681c-2. The accounts in question are not related to any transactions made by me.

The Fair Debt Collection Practices Act was created to ensure that laws and procedures are in place to protect consumers from abusive, deceptive, and unfair practices by debt collectors. In this case, the company has violated 15 U.S. Code 1692f, which prohibits debt collectors from using unfair or unconscionable means to collect a debt. Specifically, they can not collect any amounts that arent explicitly authorized by the agreement or allowed by law. Additionally, the company has violated 15 U.S. Code 1692e, which prohibits the use of false, deceptive, or misleading representations in debt collection efforts. This includes using deceptive methods to collect a debt or gather consumer information. Moreover, they are forbidden from contacting consumers at inconvenient times or places, or engaging in behavior that harasses or abuses consumers.

In this case, the company has harassed me by claiming I owe a debt that I do not recognize as my responsibility. They have also contacted me at inconvenient times and places, in violation of the law. 

Disputed Accounts : XXXX - DEPT OF EDXXXX - XX/XX/XXXX - {$3600.00} XXXX - XXXX XXXX XXXX XX/XX/XXXX - {$300.00} XXXX - DEPT OF ED/XXXX XXXX  XX/XX/XXXX - {$4700.00} XXXX - XXXX - XX/XX/XXXX - {$1700.00} XXXX - DEPT OF ED/XXXX XXXX XX/XX/XXXX - {$2100.00} XXXX - DEPT OF ED/XXXX - XX/XX/XXXX - {$2000.00} XXXX - XXXX XXXX XXXX - XX/XX/XXXX - {$0.00} XXXX - XXXX XXXX - XX/XX/XXXX - {$190.00} XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$75.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX - {$4000.00}

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 explanation
Consumer complaint received 2025-09-13 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: IA

Complaint narrative:
Consumer Reporting Agencies play a crucial role in gathering and assessing consumer credit information. However, they must exercise their responsibilities with fairness, impartiality, and respect for the consumers right to privacy. The banking system relies on accurate and fair credit reporting, and when these reporting methods are unfair, it undermines public trust, which is vital for the system 's stability. I never gave my explicit, written consent for these agencies to report my information, which is a violation of 15 U.S. Code 1681b ( 2 ). This violation has led to an alleged case of identity theft, breaching 15 U.S. Code 1681c-2. The accounts in question are not related to any transactions made by me.

The Fair Debt Collection Practices Act was created to ensure that laws and procedures are in place to protect consumers from abusive, deceptive, and unfair practices by debt collectors. In this case, the company has violated 15 U.S. Code 1692f, which prohibits debt collectors from using unfair or unconscionable means to collect a debt. Specifically, they can not collect any amounts that arent explicitly authorized by the agreement or allowed by law. Additionally, the company has violated 15 U.S. Code 1692e, which prohibits the use of false, deceptive, or misleading representations in debt collection efforts. This includes using deceptive methods to collect a debt or gather consumer information. Moreover, they are forbidden from contacting consumers at inconvenient times or places, or engaging in behavior that harasses or abuses consumers.

In this case, the company has harassed me by claiming I owe a debt that I do not recognize as my responsibility. They have also contacted me at inconvenient times and places, in violation of the law. 

Disputed Accounts : XXXX - DEPT OF EDXXXX - XX/XX/XXXX - {$3600.00} XXXX - XXXX XXXX XXXX XX/XX/XXXX - {$300.00} XXXX - DEPT OF ED/XXXX XXXX  XX/XX/XXXX - {$4700.00} XXXX - XXXX - XX/XX/XXXX - {$1700.00} XXXX - DEPT OF ED/XXXX XXXX XX/XX/XXXX - {$2100.00} XXXX - DEPT OF ED/XXXX - XX/XX/XXXX - {$2000.00} XXXX - XXXX XXXX XXXX - XX/XX/XXXX - {$0.00} XXXX - XXXX XXXX - XX/XX/XXXX - {$190.00} XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$75.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX - {$4000.00}

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 explanation
Consumer complaint received 2025-09-13 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Getting a line of credit — 
Company: REGIONS FINANCIAL CORPORATION
State: TN

Complaint narrative:
I believe regions bank keeps denying me a loan even when I'm a loyal customer because of racism and discrimination. I applied for a personal loan in XXXX or XXXX of XXXX  and i was denied both times as well as a credit card when my credit is over XXXX. They have never contacted me explaining why. No email no phone calls no nothing. Regions bank has done this in the past and had to settle lots of lawsuits against them for racial discrimination. This is an ongoing occurrence and is a real concerning problem. Racial discrimination from regions bank is rampant and ruthless.they do not care anymore and they are making it clear no blacks or minorities can get any type of loans here. This is disgusting.

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 2025-09-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CL Holdings LLC
State: CO

Complaint narrative:
I dont have dates verbatim atm but I have tried on numerous occasions to see what I formation they have in store for what they are charging on my credit report, they denied my act of removal and continued to hit my report. I have proof of being in Texas Department of Criminal Justice at the time of them saying I have received whatever service they are saying I recieved! Im just wanting this behind me and I want to have it removed because its a fraudulent hit on my report. Im juat requesting that t be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-13 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am submitting this follow-up complaint to dispute inaccurate and misleading information currently appearing on my credit report. After reviewing my report, I identified multiple accounts that are being reported in a manner that does not accurately reflect my financial history and may mislead creditors or other users of my credit report. 
The accounts in question include : XXXX XXXX ( Account XXXX XXXX XXXX, Opened XX/XX/XXXX ) : * * Reported as Late Open with a current payment status. The reporting does not reflect the full and accurate history of the account. 
XXXX ( Account XXXXXXXX XXXX XXXX, Opened XX/XX/XXXX ) : * * Reported as Late Open with no last payment date. This incomplete reporting may mislead lenders. 
XXXX ( Account XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Opened XX/XX/XXXX ) : * * Reported as Late 60 Days with a last payment of XX/XX/XXXX. I believe this status is incorrect or incomplete and does not accurately reflect my payment history. 
These inaccuracies violate my rights under the Fair Credit Reporting Act ( FCRA ) : FCRA 607 ( b ) 15 U.S.C. 1681e ( b ) : Credit reporting agencies must maintain maximum possible accuracy.

FCRA 623 ( a ) ( 2 ) 15 U.S.C. 1681s-2 ( a ) ( 2 ) : Furnishers of information must correct or update inaccurate or incomplete data once discrepancies are identified.

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 2025-09-13 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: SC

Complaint narrative:
Credence Resource Management XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Dear Credence Resource Management, I am writing in response to your letter dated XX/XX/year>, regarding the alleged debt referenced as XXXX. Pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ), I request that you provide validation of this debt. 

Specifically, please provide : The amount of the alleged debt, including a breakdown of principal, interest, fees, and any other charges. 

The name of the original creditor and the account number associated with the alleged debt. 

Copies of any contract or agreement bearing my signature that makes me legally obligated to pay. 

Proof that your company is authorized to collect debts in my state. 

A complete payment history and documentation showing how the amount you claim is owed was calculated. 

Please be advised that until you provide this validation, you must cease all collection activity, including reporting to credit bureaus, contacting me, or pursuing legal action. 

If you can not provide the requested documentation, you must immediately cease all collection activity and remove any related information from my credit report. 

This is not a refusal to pay but a request for validation. Please communicate with me only in writing regarding this matter. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-13 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: GA

Complaint narrative:
I am writing to formally dispute inaccurate information reported on my credit report. 
Specifically, this letter addresses an incorrect address and a charged-off account that I believe contains errors. 
XXXX. Personal Information Corrections Inaccurate Addresses : Please remove the following inaccurate addresses from my credit file : XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX PL XXXX, GA XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXXXXXX XXXX XXXX XXXXXXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX These addresses is not associated with my personal or credit history and may be the result of a data entry error or identity confusion. Reporting these incorrect address on my credit file is a violation of my rights under the Fair Credit Reporting Act ( FCRA ), including : FCRA 607 ( b ) Obligation of credit reporting agencies to ensure maximum possible accuracy.

FCRA 611 ( 15 U.S.C. 1681i ) Right to dispute and request reinvestigation of inaccurate information. 
XXXX. Charge-Off Account Dispute I am also disputing the accuracy and reporting of the following charge-off XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$3000.00} XXXX request a full reinvestigation of this account, as I believe the balance, status, or reporting dates may be incorrect or can not be verified. If XXXX XXXX  is unable to verify this account with proper documentation, I request that it be removed from my credit report in accordance with : FCRA 605B Right to remove unverifiable information.

FCRA 611 Right to dispute and receive the results of a reinvestigation. 
Unverified Inquiries : I am also disputing the following inquiries, which were not authorized by me and should be removed : XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX XX/XX/year> These inquiries were made without my consent and do not reflect any application or request for credit initiated by me. Under FCRA 604 ( 15 U.S.C. 1681b ), inquiries must have a permissible purpose, and I dispute the legitimacy of these listed items.

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 2025-09-13 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: GA

Complaint narrative:
I am writing to formally dispute inaccurate information reported on my credit report. 
Specifically, this letter addresses an incorrect address and a charged-off account that I believe contains errors. 
XXXX. Personal Information Corrections Inaccurate Addresses : Please remove the following inaccurate addresses from my credit file : XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX PL XXXX, GA XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXXXXXX XXXX XXXX XXXXXXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX These addresses is not associated with my personal or credit history and may be the result of a data entry error or identity confusion. Reporting these incorrect address on my credit file is a violation of my rights under the Fair Credit Reporting Act ( FCRA ), including : FCRA 607 ( b ) Obligation of credit reporting agencies to ensure maximum possible accuracy.

FCRA 611 ( 15 U.S.C. 1681i ) Right to dispute and request reinvestigation of inaccurate information. 
XXXX. Charge-Off Account Dispute I am also disputing the accuracy and reporting of the following charge-off XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$3000.00} XXXX request a full reinvestigation of this account, as I believe the balance, status, or reporting dates may be incorrect or can not be verified. If XXXX XXXX  is unable to verify this account with proper documentation, I request that it be removed from my credit report in accordance with : FCRA 605B Right to remove unverifiable information.

FCRA 611 Right to dispute and receive the results of a reinvestigation. 
Unverified Inquiries : I am also disputing the following inquiries, which were not authorized by me and should be removed : XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX XX/XX/year> These inquiries were made without my consent and do not reflect any application or request for credit initiated by me. Under FCRA 604 ( 15 U.S.C. 1681b ), inquiries must have a permissible purpose, and I dispute the legitimacy of these listed items.

Company response to consumer: Closed with non-monetary relief