vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-03 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: GA

Complaint narrative:
I was a victim of identity theft, and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after receipt. Also, the information provided on some items is UNKNOWN to me and REMOVED from other bureaus, and I have doubts about their accuracy. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$600.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$180.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$0.00} XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$290.00} XXXXXXXX XXXX  Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$600.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-06-03 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: FL

Complaint narrative:
Consumer Name : XXXX XXXX XXXX XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : 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 a personal credit card account opened at XXXX credit card account opened at XXXX  XXXX on XX/XX/XXXX under the account number XXXX, an credit card account opened at XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX under the account number XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as 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. 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 non-monetary relief
Consumer complaint received 2025-06-03 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX. XXXX XXXX XXXXXXXX XXXX XXXXXXXX Subject : Formal Dispute Failure to Properly Investigate Bankruptcy Reporting Reference Number : XXXX To Whom It May Concern : This letter is a formal notice of dispute regarding the inaccurate reporting of a XXXX  XXXX bankruptcy on my XXXX credit file, which you have referenced under File # XXXX. 

I am demanding immediate removal of this erroneous entry. I have confirmed through LexisNexis, a primary public records provider, that no such bankruptcy exists under my name or Social Security number. Additionally, your use of XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX ) as a method of verification is legally insufficient. XXXX is not an official source for consumer reporting agencies to verify public record information per the Fair Credit Reporting Act ( FCRA ). 

The FCRA, under 15 U.S. Code 1681i, requires you to conduct a reasonable reinvestigation of disputed information. Your failure to utilize reliable and permissible sources like LexisNexis, and your reliance on an unauthenticated electronic court system, constitutes willful noncompliance with federal law. 

You are hereby formally put on notice : If this bankruptcy is not removed from my credit report within 15 calendar days of receipt of this letter, And if you can not provide actual evidence from a permissible, verifiable source ( not XXXX ) confirming that a XXXX  XXXX bankruptcy exists under my name, I will pursue legal action against XXXX for : Willful and negligent noncompliance with the FCRA ( 1681n and 1681o ) ; Defamation and injury to reputation and creditworthiness ; Emotional and financial harm caused by your reporting of inaccurate and unverified information. 

This letter serves as a final opportunity to correct this serious error before I initiate a lawsuit and file formal complaints with the Consumer Financial Protection Bureau ( CFPB ) and State Attorney General. 

I expect a full investigation and a written confirmation that the bankruptcy has been removed from my credit report immediately. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
Capital One approved me for a XXXX XXXX XXXX  and then XXXX happened. I fell behind in payments and made payment plan. I ended up paying the card completely off at one time on XXXX XXXX,2022, but then Capital One told that my card was restricted due to non payment and that they would not open it back up but never told me why. The customer service agent informed me that keeping my card instead of cancelling it would help my credit because of the {$1000.00} credit line still being on my account as active. But Capital One never changed my status, and kept reporting to the credit bureaus that this card was still delinquent and restricted due to non payment. I called to find out about another card I have with them last week and this is when I found out all this information. Capital One sent me an email stating that my restriction status had changed on the card to insufficient information because they sent out a notice that they needed updated documents. I never received those documents because Capital One sent them to the wrong address. I don't live in the same state anymore, and they sent it to an old address although I had been since updated my address after I moved. The agent seen the error they made, spoke to her superior and her superior denied my reinstatement stating that they can change my restriction status whenever they want to no matter whether the information is accurate or not. I never received a letter for updated documents, neither did they change my restriction or status with any of the bureaus and they still refuse to do so up to this very moment. I informed them that this was breaking the law, fraud, and false credit reporting, which is illegal. I have heard nothing back since last week when we spoke and their have been no adjustments to my credit reports that reflect the correct status of my account.They have and still continue to report two separate pieces of information. On there website they are reporting that my card is only restricted, but they are reporting my account is closed and charged off to the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-03 00:00:00
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TrueAccord Corp.
State: AZ

Complaint narrative:
I am submitting this complaint regarding improper debt collection practices involving TrueAccord Corp., XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX. 

I originally owed approximately {$1900.00} to XXXX XXXX, which I believed I had paid or settled. Recently, I received an email from TrueAccord Corp. claiming that I now owe {$2300.00} for this same XXXX debt. TrueAccord provided a copy of an old XXXX bill but failed to offer proper debt validation. Their response did not include any itemization, proof of payments, fees added, or legal documentation authorizing them to collect. This does not meet the requirements of the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g.

In addition, I received a prior communication from XXXX XXXX XXXX concerning what appears to be the same XXXX account. The presence of two separate collection agencies handling the same debt without explanation raises serious concerns about recordkeeping and potential duplicate collection. 

I am requesting the CFPB investigate the following : Why proper debt validation was never provided despite my request ; Whether this debt was sold or assigned more than once ; Why neither agency has clarified the origin or itemization of added fees ; Whether TrueAccord and XXXX violated the FDCPA or misrepresented their authority. 
I am concerned about the accuracy of my credit reporting, the potential for duplicate collection attempts, and the legality of their communications. I have all correspondence available, including emails from both agencies. 

Account Reference : TrueAccord Account Number : XXXX Creditor : XXXX XXXX Claimed Balance : {$2300.00} Thank you for your time and attention. 

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 2025-06-03 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:
Please immediately remove these items from my credit report without any delay or excuse. Your quick and decisive steps to address this issue will be greatly appreciated. I anticipate a comprehensive and thorough resolution, leaving no room for further delay or negligence. Your immediate and focused attention to this urgent matter is both anticipated and required. Failure to comply will compel me to take further legal action to safeguard my rights and hold you responsible for the irreversible damage inflicted on my credit standing. Thank you for your immediate and steadfast attention to this issue. 
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 XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-03 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Kriya Capital, LLC
State: NC

Complaint narrative:
I ask this account be deleted this was a business phone line thats is being reported incorrectly I have no knowledge of the charges and ask the be removed from my personal credit I never authorized my personal information to be used in business

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-03 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: NC

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-03 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: GA

Complaint narrative:
I am writing to delete the following information from 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 Commission 's Identity Theft Affidavit. Please delete the 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 2025-06-03 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 delete the following information from 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 Commission 's Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-03 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: AL

Complaint narrative:
Good day! Upon reviewing my latest update, I've noticed that numerous fraudulent items have been successfully removed, for which I'm sincerely grateful. However, I would like to kindly request once more for Experian Credit Bureau to remove the remaining fraudulent entries from my credit report. Below, I've listed the remaining fraudulent items that I would appreciate being addressed : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1300.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$520.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$720.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-03 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: CA

Complaint narrative:
I have several accounts that are reporting late payments, but I made the payments on time. I have attached supporting documentation for each account to prove they were not late. I have already disputed these inaccuracies with the credit bureaus and contacted the creditors directly, but the accounts have not been corrected.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Sezzle Inc.
State: TX

Complaint narrative:
I settled my Sezzle account in full through XXXX and have documentation confirming the resolution. However, XXXX still reports this account as past due with a {$220.00} balance, which is incorrect. 

I am under contract to close on a mortgage by XX/XX/year> and need this error corrected immediately. 

Ive disputed this and provided proof, but the inaccurate tradeline remains. I request deletion under the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am writing to express my serious concern regarding the lack of resolution of my prior dispute submitted on XX/XX/XXXX, concerning multiple unauthorized credit inquiries that continue to appear on my consumer report. Despite the time elapsed, I have not received any meaningful resolution or documentation in response. 
According to my rights under the Fair Credit Reporting Act ( FCRA ), I am protected from unauthorized access to my credit file and entitled to full transparency and corrective action when such access occurs. Specifically, I invoke the following sections : Applicable Legal Basis Section 611 ( 15 U.S.C. 1681i ) : Mandates that credit reporting agencies must promptly and reasonably investigate any disputed information. Over 30 days have passed since my initial dispute, and no proper reinvestigation or results have been provided. 
Section 609 ( 15 U.S.C. 1681g ) : Grants me the right to obtain full disclosure of the information in my credit file, including a record of who accessed it and the results of any investigation. This has not been fulfilled.

Section 604 ( 15 U.S.C. 1681b ) : Defines the only permissible purposes under which my credit report may be accessed. These inquiries were made without my knowledge or consent and do not qualify under any allowable criteria. 
Unauthorized Inquiries 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 never authorized these inquiries, nor was I presented with any terms of credit, application, or consent relevant to these entities. 
Formal Request for Resolution I hereby demand the following actions be taken without further delay : Reinvestigation : Conduct a thorough and documented reinvestigation of each inquiry listed above.

Removal : Delete all inquiries found to lack a permissible purpose or valid consumer authorization. 
Updated Credit Report : Provide me with an updated and corrected copy of my credit report once all unauthorized inquiries have been removed.

Verification Documents : Provide written documentation explaining the basis under which each inquiry was made, including certification of authorization or proof of any alleged consumer application.

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 2025-06-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
This is my numerous attempt to inform you that I am a victim of identity theft, and I am once again disputing certain items on my credit report that resulted from this fraudulent activity. I did not authorize, nor have I engaged in, any transactions related to the items in question. Therefore, I request that you remove any fraudulent information associated with my credit file. The items I am disputing are unfamiliar to me, and I have observed discrepancies in the information reported, including deletions by other credit bureaus and inconsistencies in the payment histories. These errors cast doubt on the accuracy of the information, and I am unable to verify any legitimate connection to these items. 
XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX Balance : {$710.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$16000.00} ( Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$260.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX Balance : {$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 explanation
Consumer complaint received 2025-06-03 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: NC

Complaint narrative:
This is my numerous attempt to inform you that I am a victim of identity theft, and I am once again disputing certain items on my credit report that resulted from this fraudulent activity. I did not authorize, nor have I engaged in, any transactions related to the items in question. Therefore, I request that you remove any fraudulent information associated with my credit file. The items I am disputing are unfamiliar to me, and I have observed discrepancies in the information reported, including deletions by other credit bureaus and inconsistencies in the payment histories. These errors cast doubt on the accuracy of the information, and I am unable to verify any legitimate connection to these items. 
XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX Balance : {$710.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$16000.00} ( Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$260.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX Balance : {$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 2025-06-03 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: TX

Complaint narrative:
I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION 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. 

XXXX XXXX XXXX XXXX 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 explanation