vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-21 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: SC

Complaint narrative:
I am following up on a prior complaint regarding inaccurate late payment reporting on my credit report. Several accounts continue to reflect errors that do not match my actual payment history and are damaging my creditworthiness. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} incorrectly reported as 30 days late for XX/XX/XXXX, despite showing a {$0.00} balance and current status. 
DEPT OF EDUCATION XXXX XXXX ( XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance {$12000.00}, and another account with Balance {$2700.00} incorrectly reported 180 days late as of XX/XX/XXXX, with inconsistent XXXX, XXXX, and XXXXday late progressions between XXXX that can not be verified. 
These reporting inaccuracies violate my rights under the Fair Credit Reporting Act ( FCRA 607 ( b ) and 611 ), which require maximum possible accuracy and prompt correction of disputed information.

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 2025-10-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I have reason to believe that XXXX, Equifax, and XXXX  have unlawfully disclosed or sold my personal information to third-party companies without my consent for monetary gain. Such actions constitute a violation of my privacy rights and XXXX be in breach of the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-21 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Portfolio Recovery Associates, LLC
State: AZ

Complaint narrative:
I want portfolio recovery associates to leave me alone and don't harass a disable person who doesn't have any money. 
They been doing this for years. They need to stop this harassment.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-21 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Electronic communications — Frequent or repeated messages
Company: Sequium Asset Solutions, LLC
State: GA

Complaint narrative:
I am filing this complaint under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ) regarding an inaccurate XXXX XXXX collection account for {$970.00} that is being reported on my credit reports. 

I have never had an account with XXXX XXXX and have no knowledge of this alleged debt. I have disputed this account multiple times with the credit bureaus ( XXXX XXXX XXXX XXXX ), but they continue to verify it without providing any documentation or validation of the debt. 

No proof of a signed contract, account application, or billing statements linking me to this debt has ever been provided. I also contacted XXXX XXXX directly to request validation, but have not received any response or documentation. 

This is a violation of FCRA Section 611 ( failure to properly investigate disputed information ) and FDCPA Section 809 ( b ) ( failure to provide debt validation upon request ). 

I am requesting that the CFPB investigate and require XXXX XXXX and the credit bureaus to : Provide complete documentation proving that this debt belongs to me, or Remove the XXXX XXXX collection account from all my credit reports if it can not be fully validated. 

This account is seriously damaging my credit and preventing me from obtaining housing and financial stability.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-21 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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party

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 2025-10-21 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: T.S. Holdings
State: MO

Complaint narrative:
Account was placed in collections without a detailed invoice being sent. XXXX took four months to provide detail billing. Account has been paid in full via insurance claim, however creditor still has been reported the debt as unpaid to the credit bureaus, affecting our ability to get housing.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-21 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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party

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 2025-10-21 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: GA

Complaint narrative:
XXXX XXXX XXXX automobile account that continues to appear inaccurately on my credit report. This account has already been disputed multiple times, yet no meaningful updates or verified documentation have been provided. 

Experian 's records fail to show a Date Closed, while XXXX reports a closed date of XX/XX/year>, even though the repossession occurred in XX/XX/year>. This inconsistency between bureaus demonstrates that the data furnished to your system is incomplete or unverifiable. Additionally, your file indicates that the account was charged off in XXXX XXXXmonths after the vehicle was repossessedand reflects a high balance of {$29000.00} updated in the same period, suggesting inaccurate account activity after repossession. 

This account falls under disputes dates of last payment, opened, first delinquency, billing, and closed, and disputes present or previous account status, payment history profile, and payment rating. These are the precise categories that describe the inaccuracies within your reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-21 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: GA

Complaint narrative:
XXXX XXXX XXXX automobile account that continues to appear inaccurately on my credit report. This account has already been disputed multiple times, yet no meaningful updates or verified documentation have been provided. 

Experian 's records fail to show a Date Closed, while XXXX reports a closed date of XX/XX/year>, even though the repossession occurred in XX/XX/year>. This inconsistency between bureaus demonstrates that the data furnished to your system is incomplete or unverifiable. Additionally, your file indicates that the account was charged off in XXXX XXXXmonths after the vehicle was repossessedand reflects a high balance of {$29000.00} updated in the same period, suggesting inaccurate account activity after repossession. 

This account falls under disputes dates of last payment, opened, first delinquency, billing, and closed, and disputes present or previous account status, payment history profile, and payment rating. These are the precise categories that describe the inaccuracies within your reporting.

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 2025-10-21 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: RI

Complaint narrative:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party

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 2025-10-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
PLEASE BLOCK AND REMOVE. 
This inaccurate account has caused me ongoing stress and disturbed my rest. Ive included full documentation and request its urgent deletion.

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 2025-10-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am still waiting hear back from the following companies with regards to an investigation being conducted. I have not received any response back with their findings. These accounts are not mine and they was open as a result of identity theft. 

XXXX  - {$21000.00} XXXX - {$8000.00} XXXX XXXXXXXX - {$6100.00} XXXX - {$6400.00} XXXX - {$14000.00} XXXX  - {$2600.00} XXXX - {$2900.00} XXXX XXXX {$0.00} XXXX - {$4900.00} XXXX  - {$1400.00} XXXX XXXX - {$10000.00} I have sent these companies sworn affidavits and Identity theft reports. Please assist me in getting this matter resolve in a timely manner. 

My name is not XXXX and it is reporting inaccurately on my credit file. 
Also I have never reside at the XXXXXXXX XXXX XXXXXXXX XXXX address The address XXXX XXXX XXXX  is inaccurate

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 2025-10-21 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: EQUIFAX, INC.
State: TX

Complaint narrative:
Greetings, I am writing to formally dispute theseunauthorized hard inquiriesthat has appeared on my credit report. Upon reviewing my credit report, I noticed thesehard inquiriesthat I did not authorize, and I believe these are result of fraudulent activity.

Thank you for your prompt attention to this matter. I look forward to hearing from you soon regarding the resolution of this dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-21 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: GA

Complaint narrative:
The XXXX XXXX XXXX loan account currently being reported on my credit file. This account has been disputed several times, but the same inaccurate information continues to appear. 

XXXX record shows a Date Closed of XX/XX/XXXX, while my last payment occurred on XX/XX/XXXX and the Date of First Delinquency appears as XX/XX/XXXX. These timelines do not align and indicate that the reporting XXXX be incomplete or unverifiable. 

This dispute falls under disputes dates of last payment, opened, first delinquency, billing, and closed, and disputes present or previous account status, payment history profile, and payment rating.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-21 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: GA

Complaint narrative:
The XXXX XXXX XXXX loan account currently being reported on my credit file. This account has been disputed several times, but the same inaccurate information continues to appear. 

XXXX record shows a Date Closed of XX/XX/XXXX, while my last payment occurred on XX/XX/XXXX and the Date of First Delinquency appears as XX/XX/XXXX. These timelines do not align and indicate that the reporting XXXX be incomplete or unverifiable. 

This dispute falls under disputes dates of last payment, opened, first delinquency, billing, and closed, and disputes present or previous account status, payment history profile, and payment rating.

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 2025-10-21 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: PA

Complaint narrative:
I am submitting this fourth formal follow-up complaint regarding multiple inaccurate, unverifiable, and unauthorized items that continue to appear on my credit report. Despite prior disputes and notifications, these items remain, causing ongoing financial harm, stress, and reputational damage. This complaint is not for correctionI am demanding full and permanent deletion of all listed items. 
Inaccurate Addresses : XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX I have no verifiable connection to these addresses. Their presence violates : FCRA 623 ( a ) ( 1 ) ( A ) Furnishers may not report information they know or should know is inaccurate FCRA 611 ( a ) Credit bureaus must reinvestigate disputed information FCRA 607 ( b ) Credit reporting agencies must maintain maximum possible accuracy Permanently delete these addresses from all credit files. 
Charged-Off Accounts ( No XXXX, Debts > {$600.00} ) : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$1000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$1000.00} These accounts are incomplete and unverifiable due to the absence of Form XXXX. Reporting these entries violates FCRA 607 ( b ). They must be permanently removed. 
Unverified Collection Accounts : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$360.00} XXXX XXXX XXXX  XXXX Balance Owed : {$110.00} These debts are reported without proper validation and documentation, violating : FCRA 611 ( a ) Duty to reinvestigate disputed items FDCPA 807 Prohibition against false, deceptive, or misleading representation FDCPA 809 Requirement for debt validation upon request FCRA 623 ( a ) ( 1 ) ( A ) Prohibition against reporting inaccurate information FCRA 605B Right to block or delete unverifiable items Permanently delete these collection accounts. 
Unauthorized Hard Inquiries : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX  XX/XX/XXXX These inquiries were made without my consent and without permissible purpose, violating : FCRA 604 ( a ) Consumer consent required for reporting FCRA 604 ( f ) Prohibition on unauthorized access FCRA 605B Right to block or delete unauthorized inquiries Permanently delete all unauthorized inquiries from all credit reports.

FCRA 612 ( a ) Obligation to notify consumer of adverse information FCRA 616 & 617 Civil liability for willful or negligent violations FCRA 619 Penalties for knowingly obtaining consumer information under false pretenses FCRA 623 ( a ) ( 2 ) Furnishers must delete unverifiable information

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-21 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: AZ

Complaint narrative:
In XXXX, I reached a settlement agreement with XXXX XXXX XXXX, acting as an authorized collection agency for XXXX XXXX XXXX XXXX 
I paid the agreed settlement amount in full, and according to that agreement, the account was considered satisfied and closed. 

Despite that, in XXXX I was contacted by Credence Resource Management , LLC, claiming to collect on the same XXXX XXXX XXXX account. 
I disputed the validity of the debt, provided proof of payment and settlement with XXXX XXXX XXXX, and requested written verification of the account under the Fair Debt Collection Practices Act ( FDCPA, 15 U.S.C. 1692g ). 

Credence responded in XX/XX/XXXX with an encrypted XXXX  file, saying the password was the first five digits of an XXXX XXXX XXXX XXXX account number. 
However, I have never been issued or provided with any XXXX XXXX XXXX account number, since the account was closed long ago and was never provided with any account number from XXXX XXXX XXXX due to returning all XXXX devices and closed account within the 15 days cancellation policy, and previously settled through Sequium. 

I contacted Credence multiple times between XX/XX/XXXX and XX/XX/XXXX, asking for a readable version of the file or an alternate password ( for example, my ZIP code ). 
They refused, citing security reasons, and told me to contact XXXX XXXX XXXX even though they were the ones who created and encrypted the document. 

Shortly afterward, Credence confirmed in writing that the account had been recalled and returned to XXXXXXXX XXXX  XXXX on XX/XX/XXXX, and that the account information would be deleted from their system. 
However, I still have not been able to review the contents of the document they generated, which is critical for my records and for confirming whether any negative credit reporting occurred.

This situation violates FDCPA 809 ( b ), since debt verification must be provided in a clear, complete, and accessible format.

Credences refusal to give me access to my own verification documents is unacceptable and unlawful. 

I request that the CFPB require Credence Resource Management , LLC to : Provide the complete account verification documents in a readable, non-encrypted format, AND confirm that all records and any credit bureau reporting related to this account have been permanently deleted and will not be re-reported in the future.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-21 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: CA

Complaint narrative:
Subject : Follow-Up to CFPB Case # XXXX Incorrect Late Payment Reporting by XXXX Message : We are submitting additional information regarding our prior complaint ( CFPB Case # XXXX ) involving the Home Depot Consumer Credit Card serviced by XXXX XXXX XXXX XXXX 

XXXX XX/XX/XXXX response states that our minimum payment for XX/XX/XXXX was received but returned due to bank accounting issues, and that the account was later marked past due. The payment was set up on automatic debit from our XXXX Bank account. XXXX merged into XXXX XXXX Bank, and the bank transition caused the returned payment. The account was never closed and had sufficient funds at the time. 

Despite this, XXXX reported a XXXX late payment to the credit bureaus. The delinquency resulted solely from the bank-system change, not consumer neglect. We request that the CFPB require XXXX to : 1. Correct the tradeline to remove the late payment ; or 2. Re-code it as paid as agreed / consumer disputes this information. 

Attached : XXXX letter dated XX/XX/XXXX Proof of active XXXX XXXX Bank account Screenshot or bank statement showing auto-debit setup Thank you for reviewing this follow-up and ensuring accurate credit reporting under 15 U.S.C. 1681s-2 ( a ) of the Fair Credit Reporting Act. 

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 non-monetary relief
Consumer complaint received 2025-10-21 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: NC

Complaint narrative:
I request the removal of these inaccurate accounts from my credit report, as I never authorized their opening.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-21 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 very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

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