vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-07 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: PA

Complaint narrative:
Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. Also, I have an enclosed copy of the Federal Trade Commission identity theft affidavit. Please find it in your best interest to delete the items I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case.

Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified.

15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report.

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any.

information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not re-add or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is completeandaccurate.

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 2025-09-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
Td bank closed my account without my knowledge and stated that all my money has been debited out of my account via check. None of this was brought to my attention and I have to travel to a Td bank location for any information regarding my account. Td bank representatives initially left me on hold for 45min and hung up the call without giving me any information. I had to call again and they were limited help when I told them that someone committed fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

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 2025-09-07 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:
XXXX XXXX, XXXX, XX/XX/XXXX This CFPB complaint has been filed to request pursuant to FCRA XXXX ( 15 U.S.C. XXXX ) that you, the Experian credit reporting agency, 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. This fraudulent, inaccurate, and false information consists of XXXX XXXX - XX/XX/XXXXXXXX XXXX XXXX XXXX  - XX/XX/XXXX XXXX CARD - XX/XX/XXXX XXXX OF XXXX - XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint ( XXXX ) as proof from the US 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 explanation
Consumer complaint received 2025-09-08 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 need these collections that affect my credit to be removed

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-07 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: VA

Complaint narrative:
Experian XXXX. XXXX XXXX XXXX, TX XXXX Re : Formal Dispute of Inaccurate Collection Account To Whom It May Concern, I am formally disputing the accuracy and completeness of a collection account reported on my file : Creditor/Collection Agency : XXXX XXXX XXXX Amount : {$440.00} This account is inaccurate, unverifiable, and must be permanently deleted under the Fair Credit Reporting Act ( 15 U.S.C. 1681i ). The report fails to provide competent evidence that : I entered into a contract creating this alleged obligation. 

The collector has legal standing and chain of title proving ownership of this debt ( required under 15 U.S.C. 1692g ( b ) ).

The balance, dates, and payment history are accurate and complete. 

Under FCRA 611, you are required to conduct a reasonable investigation. If the furnisher can not produce full validationincluding a signed contract, complete payment history, and proof of assignmentthe item must be deleted. Reporting unverifiable or incomplete information violates FCRA 623 ( a ) ( 1 ) ( A ).

Additionally, if this account is beyond the 7-year reporting limit in FCRA 605 ( a ), it must be immediately removed.

Accordingly, I demand deletion of this collection account from my credit file. Please provide me with the results of your investigation in writing within 30 days, as required by law. 

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 2025-09-07 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: AL

Complaint narrative:
INACCURATE ACCOUNTS ARE REPORTING TO 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 non-monetary relief
Consumer complaint received 2025-09-07 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
To whom it may concern, I am writing to formally dispute the accounts reported on my consumer credit report, which are attributed to potential fraud or potential unauthorized activity, as indicated in the reference below : FCRA Section 604. I kindly request verifiable evidence bearing my signature/electronic signature. Please review this letter meticulously as it is submitted on my behalf. I have not authorized such actions, potentially constituting a violation of my consumer rights under the Fair Credit Reporting Act Section 604. I have previously contacted the relevant companies and have determined that these actions may have been undertaken without appropriate validation or original documentation from any of the reporting entities. Your prompt attention to this matter is greatly appreciated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-07 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: Experian Information Solutions Inc.
State: MI

Complaint narrative:
Inaccurate reporting of a student loan remains on my credit file. The account is shown as open with false payment history and misrepresented terms. No proper verification has been provided.

This violates : FCRA 1681i-2 ( b ) : Furnishers must investigate disputes and report accurate results.

FCRA 1681e ( b ) : Credit bureaus must ensure maximum possible accuracy.

34 C.F.R. 682.208 ( f ) : Servicers must promptly and accurately update or correct student loan reporting. 

Because these requirements were not met, I request that this student loan account be removed from my credit reports.

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 2025-09-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
Inaccurate reporting of a student loan remains on my credit file. The account is shown as open with false payment history and misrepresented terms. No proper verification has been provided.

This violates : FCRA 1681i-2 ( b ) : Furnishers must investigate disputes and report accurate results.

FCRA 1681e ( b ) : Credit bureaus must ensure maximum possible accuracy.

34 C.F.R. 682.208 ( f ) : Servicers must promptly and accurately update or correct student loan reporting.

Because these requirements were not met, I request that this student loan account be removed from my credit reports.

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 2025-09-07 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: MI

Complaint narrative:
Inaccurate reporting of a student loan remains on my credit file. The account is shown as open with false payment history and misrepresented terms. No proper verification has been provided. 

This violates : FCRA 1681i-2 ( b ) : Furnishers must investigate disputes and report accurate results.

FCRA 1681e ( b ) : Credit bureaus must ensure maximum possible accuracy.

34 C.F.R. 682.208 ( f ) : Servicers must promptly and accurately update or correct student loan reporting. 

Because these requirements were not met, I request that this student loan account be removed from my credit reports.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-07 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:
XXXX XXXX, XXXX, XX/XX/XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , 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. This fraudulent, inaccurate, and false information consists of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint ( 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 explanation
Consumer complaint received 2025-09-07 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: EQUIFAX, INC.
State: WI

Complaint narrative:
I checked my recent credit report and noticed there were fraudulent accounts reporting that are harming my moving forward, I plan to take this to the furthest degree and Im asking for immediate removal

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-07 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: WI

Complaint narrative:
I checked my recent credit report and noticed there were fraudulent accounts reporting that are harming my moving forward, I plan to take this to the furthest degree and Im asking for immediate removal

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 2025-09-07 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XX/XX/XXXX Re : Formal Dispute of Fraudulent Accounts XXXX  XXXX ( Report IDs : XXXX & XXXX ) Dear [ Credit Bureau Name ], I am formally disputing the accuracy and legitimacy of the following accounts being reported on my credit file : XXXX. XXXX  XXXX Account ID : XXXX ( Opened XX/XX/XXXX, Balance {$390.00}, marked Charged Off ) XXXX. XXXX  XXXX Account ID : XXXX ( Opened XX/XX/XXXX, Balance {$2500.00}, marked Charged Off ) I did not open these accounts. They are fraudulent and should be deleted from my credit file immediately. 

Legal Basis for My Dispute Under the Fair Credit Reporting Act ( FCRA ) : 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) : A consumer reporting agency must conduct a reasonable reinvestigation of any disputed item. 
15 U.S.C. 1681s-2 ( a ) : A furnisher of information ( in this case, XXXX XXXX ) is prohibited from reporting inaccurate information. 
15 U.S.C. 1681s-2 ( b ) : Once notified of a dispute, a furnisher must investigate, review relevant information, and correct or delete inaccurate data.

Supporting Case XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ) : The court held that credit bureaus must do more than a superficial investigation and can not rely solely on the furnishers word when a consumer disputes an account. 
XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX. XXXX ) : The court reaffirmed that credit bureaus and furnishers must ensure maximum possible accuracy of consumer credit reports. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( XXXXXXXX XXXX XXXXXXXX ) : It was established that reporting disputed debts without proper investigation may constitute a violation of the FCRA. 

My Demand Because these accounts are fraudulent, unverifiable, and inaccurate : 1. Delete both accounts from my credit report immediately.

2. Provide me with written confirmation of the deletions within 30 days as required by law.

3. Cease reporting these accounts to any third party. 

If these inaccurate items are not removed, I will pursue legal remedies, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the Michigan Attorney Generals Office. 

I have attached copies of my government-issued ID and proof of address for verification purposes. 

Thank you for your immediate attention to this matter. 

Sincerely, XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am writing to formally lodge a complaint concerning inquiries on my credit report that I neither recognized nor consented to. These unauthorized inquiries are not only concerning but also damaging to my financial reputation. It has come to my attention that certain inquiries have been made on my credit report without my consent or knowledge. I want to emphasize that I have no association with these inquiries and have never authorized any entity to access my credit information in this manner.

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 2025-09-07 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: NV

Complaint narrative:
XXXX XXXX, XXXX, XX/XX/XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of 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 XXXX XXXX XXXXXX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint ( 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 explanation
Consumer complaint received 2025-09-07 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Kriya Capital, LLC
State: TX

Complaint narrative:
I have never had any type of dept what so ever Ive never in my life even used credit I have a credit builder I pay XXXX percent on time twice every months I never signed up for anything but a credit card with my credit but have not yet payed the fee to open my credit card up I need more Time to get the money to pay my credit card so theres no reason my credit score should have went down because of a collection company Ive never even made contact with called CREDENCE RESOURCE MANAGEMENT Ive never signed up for them agreed to anything with them or even know who or what they are they have lied on my name and credit and falsely used me in something I have no parts of or knowledge of or consent of what so ever!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-07 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: VA

Complaint narrative:
Experian XXXX. XXXX XXXX XXXX, TX XXXX Re : Formal Dispute of Inaccurate Collection Account To Whom It May Concern, I am formally disputing the accuracy and completeness of a collection account reported on my file : Creditor/Collection Agency : XXXX XXXX XXXX Amount : {$440.00} This account is inaccurate, unverifiable, and must be permanently deleted under the Fair Credit Reporting Act ( 15 U.S.C. 1681i ). The report fails to provide competent evidence that : I entered into a contract creating this alleged obligation. 

The collector has legal standing and chain of title proving ownership of this debt ( required under 15 U.S.C. 1692g ( b ) ).

The balance, dates, and payment history are accurate and complete. 

Under FCRA 611, you are required to conduct a reasonable investigation. If the furnisher can not produce full validationincluding a signed contract, complete payment history, and proof of assignmentthe item must be deleted. Reporting unverifiable or incomplete information violates FCRA 623 ( a ) ( 1 ) ( A ).

Additionally, if this account is beyond the 7-year reporting limit in FCRA 605 ( a ), it must be immediately removed.

Accordingly, I demand deletion of this collection account from my credit file. Please provide me with the results of your investigation in writing within 30 days, as required by law. 

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