vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
The information of XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX are Not correct. 
XXXX XXXX I do not owe the balance they have me down as owing. 

XXXX XXXX i have an account with them with a {$0.00} balance. Anything else is not correct XXXX XXXX i do not owe them anything. Order was not processed. {$0.00}

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 2025-04-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Colony Brands, Inc.
State: AR

Complaint narrative:
The information of XXXXXXXX XXXX XXXX XXXX and Montgomery ward are Not correct. 
XXXX XXXX I do not owe the balance they have me down as owing. 

XXXX XXXX i have an account with them with a {$0.00} balance. Anything else is not correct Montgomery Ward- i do not owe them anything. Order was not processed. {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-05 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: IL

Complaint narrative:
I was a victim of identity theft and the data breach and all of these accounts are fraudulent and need to removed and blocked from my report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-05 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: NC

Complaint narrative:
I noticed that I have 2 collections on my credit from XXXX XXXX XXXX XXXX. 
I need a debt validation coming from them. 

1. I NEED A DETAILED LIST OF PAYMENT HISTORY ON THIS ACCOUNT COMING FROM ME. 

2. I NEED A SIGNED CONTRACT WITH MY SIGNATURE STATING THAT I AGREED TO PAY XXXX XXXX XXXX XXXX. 

3. I NEED PROOF OF ANY INSURANCE PLACED ON THE DEBT. 

4. I ALSO NEED DOCUMENTATION STATING THAT XXXX XXXX XXXX XXXX HAS THE LEGAL RIGHT TO COLLECT THIS DEBT. 

CREDIT LAW 15 USC 1692G.

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 2025-04-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: REGIONS FINANCIAL CORPORATION
State: MO

Complaint narrative:
On XX/XX/XXXX I was told my mortgage payment was late via my phone. I reviewed my bank account and found out the mortgage payment went to a regions credit card vs the mortgage. I called later to inform. I was transferred to the credit card department. I informed them the situation, they said they put in a request, and it will be 48 hours. I waited 4 business days and it showed it was not done. I called again and was told there was a duplicate request in. But no time table was given. I was called later that week and told my mortgage payment was late. I told them the situation and asked what do they need from me. I was given an emal XXXX. I sent what information I have and I asked to be kept informed. I talked with someone named XXXX who was the team lead. No time table was was given. I paid my XXXX payment on XX/XX/XXXX, to avoid credit action. This week I walked into my local branch. They told me the only way to get this done was to do a cash advance and pay the mortgage. Fine. It worked. However today I am showing that the credit card payment was reversed ( I never review a refund ) and now my mortgage is late again even though I have made a payment XX/XX/XXXX and with the cash advance on XXXX. Still no explanation. So I am out {$1800.00} and my mortgage is showing late

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 monetary relief
Consumer complaint received 2025-04-05 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: NJ

Complaint narrative:
Summary of the Issue : I am filing a formal complaint against XXXX XXXX and Credence Resource Management LLC for reporting a fraudulent {$550.00} charge to the credit bureaus, damaging my credit score. This charge was never authorized by me. XXXX XXXX promised an XXXX at no cost and explicitly stated in writing that I would not be charged any fees or payments. Despite this, they placed a charge on my account and sent it to collections. 

Steps Ive Taken : I contacted XXXX XXXX multiple times with no resolution. 
I filed a dispute with XXXX, which was wrongly denied. 
I submitted a second dispute and am awaiting response. 
I filed a report with the FTC and created an Identity Theft Report. 
I contacted Credence Resource Management LLC, who could not validate the debt. 

What I Am Requesting : I request that the CFPB investigate this matter and : Ensure the removal of the {$550.00} debt from my credit reports. 
Prevent further collections activity by Credence Resource Management LLC. 
Require XXXX XXXX to acknowledge their misrepresentation and resolve this issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-05 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:
Hello my name is XXXX XXXX XXXX XXXX, I am writing to you in regards to the following information in my file. The items I need deleted are listed in the report.I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the following accounts as soon as possible

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 2025-04-06 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: MI

Complaint narrative:
Re : Request for Removal of Student Loans Due to Breach of Personal and Financial Information, Identity Theft, FERPA Violations, and FCRA Concerns Dear Sir/Madam, I am writing to formally dispute the student loan accounts listed under the XXXX XXXX XXXXXXXX XXXX which have been fraudulently reported and are causing harm to my credit report and financial standing. These loans were issued without my authorization, and my personal and financial information has been compromised. This situation is further complicated by significant violations of both the Fair Credit Reporting Act ( FCRA ) and the Family Educational Rights and Privacy Act ( FERPA ). I request that these loans be immediately removed, canceled, and discharged. 

The following accounts are in question : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These loans have been reported inaccurately and without proper verification, violating 15 U.S.C. 1681, which mandates the reporting of accurate and verifiable information on credit reports. Furthermore, the Family Educational Rights and Privacy Act ( FERPA ) mandates the protection of student records, and this breach of confidentiality is a clear violation of my rights under FERPA. My personal and financial information has been compromised without my consent, and I hold the Department of Education responsible for safeguarding this information. 

Given the seriousness of this breach and the fraudulent nature of these accounts, I request that these loans be immediately discharged and removed from my credit report. I also ask that the Department of Education conduct a full investigation into this breach, which is a direct violation of my rights under both FERPA and FCRA.

I demand that the following actions be taken : Immediate cancellation and discharge of the listed student loans.

Removal of all associated debt from my credit report.

A formal investigation into the security breach and violation of FERPA and FCRA.

These issues are urgent and require your immediate attention. I respectfully request confirmation of the cancellation and discharge of my student loans and removal of these fraudulent accounts from my credit report. 

Thank you for your prompt attention to this serious 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 non-monetary relief
Consumer complaint received 2025-04-06 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: MI

Complaint narrative:
Re : Request for Removal of Student Loans Due to Breach of Personal and Financial Information, Identity Theft, FERPA Violations, and FCRA Concerns Dear Sir/Madam, I am writing to formally dispute the student loan accounts listed under the XXXX XXXX XXXXXXXX XXXX which have been fraudulently reported and are causing harm to my credit report and financial standing. These loans were issued without my authorization, and my personal and financial information has been compromised. This situation is further complicated by significant violations of both the Fair Credit Reporting Act ( FCRA ) and the Family Educational Rights and Privacy Act ( FERPA ). I request that these loans be immediately removed, canceled, and discharged. 

The following accounts are in question : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These loans have been reported inaccurately and without proper verification, violating 15 U.S.C. 1681, which mandates the reporting of accurate and verifiable information on credit reports. Furthermore, the Family Educational Rights and Privacy Act ( FERPA ) mandates the protection of student records, and this breach of confidentiality is a clear violation of my rights under FERPA. My personal and financial information has been compromised without my consent, and I hold the Department of Education responsible for safeguarding this information. 

Given the seriousness of this breach and the fraudulent nature of these accounts, I request that these loans be immediately discharged and removed from my credit report. I also ask that the Department of Education conduct a full investigation into this breach, which is a direct violation of my rights under both FERPA and FCRA.

I demand that the following actions be taken : Immediate cancellation and discharge of the listed student loans.

Removal of all associated debt from my credit report.

A formal investigation into the security breach and violation of FERPA and FCRA.

These issues are urgent and require your immediate attention. I respectfully request confirmation of the cancellation and discharge of my student loans and removal of these fraudulent accounts from my credit report. 

Thank you for your prompt attention to this serious matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-05 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:
I am writing to delete the following information from my file. The items I deleted are listed in the report I am a big team of identity theft and I did not make the charge. I reported the theft of my identity to the federal trade commission and I also have enclosed copies of the federal tray, commission identity, theft, affidavit. Please delete this items as soon as possible.

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 2025-04-05 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:
I am writing to formally dispute the inaccurate information on my credit report due to my recent victimization by XXXX XXXX. I have identified several accounts and/or pieces of information on my credit report that are incorrect and were not authorized by me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-05 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: TX

Complaint narrative:
Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence | provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.

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 2025-04-06 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: TOYOTA MOTOR CREDIT CORPORATION
State: KY

Complaint narrative:
Some open a car loan with my information. They opened bank accounts and phone to pose as me. They stole my IDENTITY

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-05 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:
I was a victim of identity theft and the data breach and all of these accounts are fraudulent and need to removed and blocked from my report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-05 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: IL

Complaint narrative:
I was a victim of identity theft and the data breach and all of these accounts are fraudulent and need to removed and blocked from my 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 2025-04-05 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: NE

Complaint narrative:
I've mailed a letter to TransUnion with inaccurate and incomplete information on my credit report. letter was sent on XX/XX/XXXX my response letter came XX/XX/XXXX with no changes and I don't believe they properly investigated. How can an account be missing payment data on XX/XX/XXXX and XX/XX/XXXX but they have data for XX/XX/XXXX and XX/XX/XXXX. That is incomplete reporting 15 U.S.C 1681. I believe they are responsible for complete and ACCURATE reporting under the fcra.

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 2025-04-05 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: NJ

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

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-05 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: NY

Complaint narrative:
UPON ME REVIEWING MY CREDUT REPORTS I NOTICED ACCOUNTS THAT WER FRADULENTLY OPENED IN MY NAME.

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 2025-04-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I am writing to formally inaccurate and misleading information appearing on my credit report the accounts in question continues to negatively impact my credit score. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I am writing to formally inaccurate and misleading information appearing on my credit report the accounts in question continues to negatively impact my credit score. 
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 2025-04-05 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CL Holdings LLC
State: FL

Complaint narrative:
I received a call from company demanding me to pay on this collection debt. I informed the creditor I do not recognize this collection account nor their company. I then obtained their address and and name of the company and sent a validation request of the collection account to the company Jefferson Capital Systems back in XXXX XXXX, and to this date have yet to receive validation of the account. I requested in the letter a sign contract with the company binding me to this collection account and nothing was received on my end. The creditor is reporting inaccurate information to my credit report which is effecting my score.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-05 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: TX

Complaint narrative:
I review my copy of my credit report, I had fraudulent ccount .This us not my account, please remove on my credit report XXXX ) XXXX XXXX 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 2025-04-05 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 review my copy of my credit report, I had fraudulent ccount .This us not my account, please remove on my credit report XXXX ) XXXX XXXX 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