vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am filing this complaint to address XXXX XXXX inaccurate and misleading reporting of an account that they no longer service or manage, which is in violation of the Fair Credit Reporting Act ( FCRA ). 

In 2024, I contacted XXXX XXXX by phone in an effort to resolve and pay off a reported delinquent account appearing on my credit report. During this conversation, I was told that XXXX could no longer locate the account in their system, and that it had been sold or transferred to a third-party debt collector. I was advised to contact the external collection agency for resolution. 

Despite XXXX 's own admission that they no longer manage, own, or have system access to this account, they continue to report it as open, delinquent, and actively in collections with a balance of {$120.00} and XXXX days late payment status. This is both inaccurate and damaging. 

Even if XXXX has historical documents ( e.g., the original loan agreement ), they are no longer the servicer or creditor of record. As such, they do not have the legal right to continue reporting a derogatory tradeline as if the account is still under their ownership or control. The Fair Credit Reporting Act ( XXXX XXXX. XXXX ( b ) ) requires furnishers of credit information to report only accurate, complete, and up-to-date information to the credit bureaus. 

( I also reached out to the collection agency " XXXX XXXX XXXX  '' several times. They are now in " Default '' as they have not responded to any of my notices. ) Further, per XXXX XXXX reporting standards, once an account is sold or transferred : The balance must be updated to {$0.00} ; The account status must reflect Transferred/Sold to Another Lender ; The tradeline must be closed from the original creditors profile ; And no further delinquency reporting may continue from that original entity. 

By continuing to report an account they no longer control, XXXX is : Furnishing misleading and outdated information ; Impairing my creditworthiness; And exposing themselves to legal consequences under FCRA XXXX ( b ), XXXX, and XXXX. 

I am requesting that the Consumer Financial Protection Bureau review this issue and direct XXXX XXXX to : Immediately delete the inaccurate tradeline in its entirety ; Cease all reporting of this account under their name ; Provide written confirmation of compliance. 

This inaccurate reporting has resulted in material harm to my financial profile and violates my rights as a consumer under federal law.

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 2025-05-14 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: Kriya Capital, LLC
State: CA

Complaint narrative:
I am filing this complaint to address XXXX XXXX inaccurate and misleading reporting of an account that they no longer service or manage, which is in violation of the Fair Credit Reporting Act ( FCRA ). 

In 2024, I contacted XXXX XXXX by phone in an effort to resolve and pay off a reported delinquent account appearing on my credit report. During this conversation, I was told that XXXX could no longer locate the account in their system, and that it had been sold or transferred to a XXXX-party debt collector. I was advised to contact the external collection agency for resolution. 

Despite XXXX 's own admission that they no longer manage, own, or have system access to this account, they continue to report it as open, delinquent, and actively in collections with a balance of {$120.00} and XXXX days late payment status. This is both inaccurate and damaging. 

Even if XXXX has historical documents ( e.g., the original loan agreement ), they are no longer the servicer or creditor of record. As such, they do not have the legal right to continue reporting a derogatory tradeline as if the account is still under their ownership or control. The Fair Credit Reporting Act ( XXXX XXXX. XXXX ( b ) ) requires furnishers of credit information to report only accurate, complete, and up-to-date information to the credit bureaus. 

( I also reached out to the collection agency " CREDENCE RESOURCE MANAGEMENT '' several times. They are now in " Default '' as they have not responded to any of my notices. ) Further, per XXXX XXXX reporting standards, once an account is sold or transferred : The balance must be updated to {$0.00} ; The account status must reflect Transferred/Sold to Another Lender ; The tradeline must be closed from the original creditors profile ; And no further delinquency reporting may continue from that original entity. 

By continuing to report an account they no longer control, XXXX is : Furnishing misleading and outdated information ; Impairing my creditworthiness; And exposing themselves to legal consequences under FCRA XXXX ( b ), XXXX, and XXXX. 

I am requesting that the Consumer Financial Protection Bureau review this issue and direct XXXX XXXX to : Immediately delete the inaccurate tradeline in its entirety ; Cease all reporting of this account under their name ; Provide written confirmation of compliance. 

This inaccurate reporting has resulted in material harm to my financial profile and violates my rights as a consumer under federal law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-14 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:
I am filing this complaint to address XXXX XXXX inaccurate and misleading reporting of an account that they no longer service or manage, which is in violation of the Fair Credit Reporting Act ( FCRA ). 

In XXXX  I contacted XXXX XXXX by phone in an effort to resolve and pay off a reported delinquent account appearing on my credit report. During this conversation, I was told that XXXX could no longer locate the account in their system, and that it had been sold or transferred to a third-party debt collector. I was advised to contact the external collection agency for resolution. 

Despite XXXX 's own admission that they no longer manage, own, or have system access to this account, they continue to report it as open, delinquent, and actively in collections with a balance of {$120.00} and 120 days late payment status. This is both inaccurate and damaging. 

Even if XXXX has historical documents ( e.g., the original loan agreement ), they are no longer the servicer or creditor of record. As such, they do not have the legal right to continue reporting a derogatory tradeline as if the account is still under their ownership or control. The Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ( b ) ) requires furnishers of credit information to report only accurate, complete, and up-to-date information to the credit bureaus. 

( I also reached out to the collection agency " XXXX XXXX XXXX XXXX several times. They are now in " Default '' as they have not responded to any of my notices. ) Further, per Metro 2 reporting standards, once an account is sold or transferred : The balance must be updated to {$0.00} ; The account status must reflect Transferred/Sold to Another Lender ; The tradeline must be closed from the original creditors profile ; And no further delinquency reporting may continue from that original entity. 

By continuing to report an account they no longer control, XXXX is : Furnishing misleading and outdated information ; Impairing my creditworthiness; And exposing themselves to legal consequences under FCRA 1681s-2 ( b ), 1681n, and 1681o. 

I am requesting that the Consumer Financial Protection Bureau review this issue and direct XXXX XXXX XXXXo : Immediately delete the inaccurate tradeline in its entirety ; Cease all reporting of this account under their name ; Provide written confirmation of compliance. 

This inaccurate reporting has resulted in material harm to my financial profile and violates my rights as a consumer under federal law.

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 2025-05-14 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: AZ

Complaint narrative:
From XX/XX/year> to XX/XX/year>. All inquiries on my Experian, TransUnion and Equifax credit report were not verified. I have a fraud alert that they need to call. Not one single call. Please remove all hard inquiries from all three 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 2025-05-14 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: AZ

Complaint narrative:
From XX/XX/year> to XX/XX/year>. All inquiries on my Experian, TransUnion and Equifax credit report were not verified. I have a fraud alert that they need to call. Not one single call. Please remove all hard inquiries from all three credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-14 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: CA

Complaint narrative:
b'XXXX XXXX XXXX XXXX2023\n\nXXXX XXXX\nXXXX2023'

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 2025-05-14 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: CA

Complaint narrative:
Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave these credit reporting agencies any written consent to report anything on my consumer report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-14 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: SC

Complaint narrative:
writing to file a formal dispute and request the immediate removal of fraudulent accounts and inquiries placed on my credit file due to identity theft resulting from a data breach. My personal and financial information was compromised without my knowledge or consent. 

The following accounts and inquiries must be immediately removed as they are fraudulent and were not authorized by me : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts and any related inquiries are a result of fraudulent activity. I have never applied for or opened any accounts with these creditors. Additionally, I request that these accounts be blocked from future reporting and permanently deleted from my credit file.

I have attached the following supporting documentation for your records : FTC Identity Theft Report Police Report According to the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681c-2, you are legally required to block and remove all fraudulent information from a consumers file once proper documentation of identity theft has been provided. I expect compliance with this legal obligation and request confirmation that the fraudulent items have been removed.

Please provide written confirmation of your investigation results and the removal of these accounts and inquiries within the 30-day timeframe as required by law.

Thank you for your prompt attention to this matter.

Sincerely,

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-14 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: MO

Complaint narrative:
I am filing a complaint regarding an account inaccurately listed on my credit report by XXXX XXXX XXXX and reported through XXXX Experian, & TransUnion. I previously submitted a formal dispute to the credit bureau ( XXXX ) and provided supporting documentation showing that the account is either not mine, has been paid, or is being misreported. 
Despite the evidence, the account remains on my credit report, which is causing harm to my credit score and overall financial situation. I believe this is a violation of the Fair Credit Reporting Act ( FCRA ), which requires that inaccurate or unverifiable information be corrected or deleted within XXXX days of a dispute. 
I am requesting the CFPB to investigate this issue and ensure that the credit reporting agencies and the furnisher of the information comply with federal regulations by removing the inaccurate entry from my credit 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 2025-05-14 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: MI

Complaint narrative:
I am filing this complaint because my credit report, which I accessed through XXXX, contains inaccurate information. I submitted a formal dispute requesting a full reinvestigation of certain accounts and personal information, as provided by the Fair Credit Reporting Act. I also asked for the method used to verify the information and a full disclosure of my credit file, under 15 U.S.C. 1681e ( b ), 1681g, and 1681i.

This is a valid and specific dispute. I am not looking for generic responses or system-generated letters. I personally prepared and submitted each dispute with the necessary identification and documents. Despite my efforts, the incorrect information remains, and I see no proof that a proper reinvestigation was completed.

The Fair Credit Reporting Act requires a thorough and honest reinvestigation of the entire item in question, including all related detailsnot just the tradeline. I am asking for the CFPBs help in making sure this issue is fully addressed and handled according to the law.

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 2025-05-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: CT

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-14 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: VA

Complaint narrative:
Whenever there are problems there is no live agents to assist when dealing with CashApp.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-14 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2025-05-14 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: CT

Complaint narrative:
I have been trying to solve this problem for some time with the credit reporting agencies and the corporations and debt collectors they allowed to put inaccurate items on my credit report without permissible purpose. They have continued to report items as well without my permission and not being 100 % accurate under 15 US Code 1681e ( b ).

I am a litigious consumer meaning I am unreasonably prone to go to court to settle disputes and am in the process of taking legal action in this matter to enforce my rights under FCRA and FDCPA. This is my official notice.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-14 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:
This complaint serves as a formal and legally binding demand for the immediate removal of fraudulent accounts associated with the unauthorized use of my Social Security number and personal information. These accounts were not opened, authorized, or consented to by me in any form and do not pertain to any legitimate financial activity I conducted. Legal Basis for Immediate Removal : Pursuant to 15 U.S. Code 1681c2, I am invoking my legal right to demand the permanent removal of these fraudulent accounts. Under 12 CFR Part 1022, Subpart H, credit bureaus are required to remove and eliminate fraudulent data upon receiving notice of identity theft. You are required by law to remove this information within four ( 4 ) business days of receiving this letter. These are the list of Items need to be deleted ASAP : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Under 15 U.S. Code 1681a ( 2 ) ( B ) Exclusions from a consumer Report This account is in violation any credit transaction supposed to be excluded from a consumer credit report. if a social security card was used in the transaction. Under 15 U.S. Code 1692j - Furnishing certain deceptive forms I am not participating in the collection of this alleged debt. Cease and desist asap.

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 2025-05-14 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:
This 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 XXXX XXXX - {$200.00}, XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX {$730.00}, XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX {$730.00}, XX/XX/XXXX. Collections : XXXX XXXX XXXX - {$950.00}, XX/XX/XXXX and XXXX XXXX- {$1100.00}, XX/XX/XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts and collections 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 US Federal Trade Commission that all of the aforementioned consumer credit accounts and collections are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief