vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-28 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: NY

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 that I have the right to privacy.

15 U.S.C. 1681, section 604 ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction.

15 U.S.C. 1681c ( a ) ( 5 ), section states : No consumer reporting agency may include in any consumer report any 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 ) states : 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 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 2025-05-28 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: WI

Complaint narrative:
On XX/XX/year>, Credence Resource Management , LLC was formally notified in writing that their claim of a debt was disputed. The notice included a demand for debt verification and a clear request to cease all telephone and electronic communications. 

Despite this, on XX/XX/year>, I received a phone call from a representative of Credence Resource Management , LLC. During the call, the representative was informed of the dispute, the verification demand, and the prior request to halt communications. A follow-up written communication reiterating these points was sent the same day. 

However, on XX/XX/year>, without providing the requested debt verification, Credence Resource Management , LLC reported a collections account on my credit profile. This action appears to be a retaliatory tactic, taken in bad faith and without justification.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-28 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: MD

Complaint narrative:
Following identity theft caused by a data breach, fraudulent accounts have appeared on my credit report. Pursuant to Section 605B of the Fair Credit Reporting Act ( 15 U.S.C.

1681c-2 ( a ) ), I request immediate removal within 4 days : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX MD XXXX Please delete and block the following accounts from my credit report Accounts XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$20000.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX XXXX/ - Account Number : XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} Inquiries XXXX XXXX Date : XX/XX/XXXX XXXX Date : XX/XX/XXXXXXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX  Date : XX/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 2025-05-28 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:
PLEASE BLOCK AND REMOVE I respectfully request the elimination of these incorrect accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.

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 2025-05-28 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: IL

Complaint narrative:
Please be advised that my credit report has been compromised due to a data breach. Pursuant to Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ( a ) ), I am requesting the blocking and removal of fraudulent accounts within 4 days : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX delete and block the following accounts from my credit report XXXX XXXX XXXX XXXX XXXX Account Number : XXXX * * * * XXXX, Date Opened : XX/XX/year>, Balance : {$360.00} Inquiries XXXX XXXX  Date : XX/XX/year> COAF Date : XX/XX/year> XXXX XXXX  Date : XX/XX/year> 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/year>

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 2025-05-28 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: IL

Complaint narrative:
Please be advised that my credit report has been compromised due to a data breach. Pursuant to Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ( a ) ), I am requesting the blocking and removal of fraudulent accounts within 4 days : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX delete and block the following accounts from my credit report XXXX XXXX XXXX XXXX XXXX Account Number : XXXX * * * * XXXX, Date Opened : XX/XX/year>, Balance : {$360.00} Inquiries XXXX XXXX  Date : XX/XX/year> COAF Date : XX/XX/year> XXXX XXXX  Date : XX/XX/year> 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/year>

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
I am writing to dispute inaccurate and outdated personal information being reported on my TransUnion credit report. Specifically, the name XXXX XXXX is being reported as a former name, which is not and has never been my legal name. Additionally, two outdated XXXX XXXX XXXX XXXX, XXXX, AZ XXXX, and XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX still listed under my profile. I have no current association with these addresses, and their continued presence on my report creates confusion and may be contributing to the inaccurate reporting of credit accounts.

Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681e ( b ), TransUnion is required to maintain maximum possible accuracy of the information it includes in consumer reports. Allowing incorrect names and addresses to remain on my file violates this obligation and creates unnecessary complications, especially as I work to maintain the integrity of my credit profile in the midst of financial hardship.

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 2025-05-28 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 have 5 fraudulent accounts on my report that is not mines I need them to get off my report XXXX XXXX  XXXX XXXX account number XXXX XXXX XXXXXXXX XXXX XXXXXXXX account number XXXXXXXX XXXX XXXX XXXX  account number XXXX XXXX XXXX XXXX  account number XXXXXXXX XXXX XXXX account number XXXX and XXXX XXXX XXXX account number XXXX according to fcra section 605b.it is illegal to report any information on my profile without my permission.please remove these items off my report.thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I have had ( XXXX ) cases w/ Equifax regarding not being able to view my own credit report online via their ( XXXXEquifaxXXXX  ) consumer portal where I have had a registered account for years. They can refer to their own case number references that they provided me for additional information : XXXX ) Case # XXXX XXXX ) Case # XXXX I've attached screenshots illustrating the issue, but Equifax has given me a different story on root cause of this every time I've called them. The pop up says it's a technical issue, but they've actually indicated that this was caused due to several internal locks placed on my file, that they have since told me were all removed. However, since these internal locks were allegedly removed, I'm still unable to view my OWN PERSONAL CREDIT REPORT. I feel that at this point, this is violating the law in that I'm unable to see my own credit information. I'm submitting this complaint because it has been XXXX weeks at this point that I've been waiting to view my own credit report but am still unable to do so. I'm also filing this complaint due to the misleading information Equifax provides me every time I call them. I'm given a different story, different cause, and different timeframes for resolution ETA each time I've called. I am being prevented from viewing my own credit report and this needs to be resolved in a timely manner because now it is has become urgent. I was also told that creditors can view my credit information, which I find odd given that I'm not able to. 

Regards, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-28 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:
I was a victim of identity theft. There are inquiries on my Experian and Transunion credit report that are fraudulent and do not belong to me. I've already filed an FTC report. The inquiries are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2025-05-28 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: GA

Complaint narrative:
I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-28 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: OH

Complaint narrative:
XX/XX/XXXX My trans union credit was dropped because it was reported that between the dates XX/XX/XXXX and XX/XX/XXXX, that my account was marked 90 days late, how is this possible when my account is in deferment. Also each month ( especially in XX/XX/XXXX and XX/XX/XXXX ) all three credit bureau reported that payments was made 100 percent on time.Then in XXXX it was marked as 90 days late. 
If it was 90 days late why is it still reporting as on time. 
Filed a dispute and it was not resolved

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 2025-05-28 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: OH

Complaint narrative:
XX/XX/XXXX My XXXX XXXX credit was dropped because it was reported that between the dates XX/XX/XXXX and XX/XX/XXXX, that my account was marked 90 days late, how is this possible when my account is in deferment. Also each month ( especially in XX/XX/XXXX and XX/XX/XXXX ) all three credit bureau reported that payments was made 100 percent on time.Then in XXXX it was marked as 90 days late. 
If it was 90 days late why is it still reporting as on time. 
Filed a dispute and it was not resolved

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have encountered difficulties accessing my Equifax Information Services account and was instructed to send identification documents for verification. Despite providing clear and legible documentation, I am still unable to access my account. This is why I escalated the matter through the CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
I am disputing several accounts reported as charge-offs or collections across all three credit bureausXXXX, Experian, and XXXX These items contain serious inaccuracies that are affecting my creditworthiness and financial wellbeing, and I am demanding a lawful reinvestigation in accordance with my rights under the Fair Credit Reporting Act ( FCRA ). 

XXXX  is currently reporting a charge-off from XXXX XXXX XXXX for account number ending in XXXX with a reported balance of {$1200.00} as of XX/XX/XXXX. In addition, XXXX XXXX is reporting an old derogatory item dated XX/XX/XXXX for account ending in XXXX, with a balance of {$0.00}. These accounts are not only outdated but also raise concerns regarding their verification and continued inclusion in my credit file. 

Experian is reporting a collection from XXXXXXXX XXXX XXXX XXXX under account number ending in XXXX, dated XX/XX/XXXX, with a balance of {$0.00}, which raises serious concerns as it serves no useful purpose in assessing my creditworthiness. Additionally, XXXX XXXX XXXX is reporting an account with the same last four digits ( XXXX ) as the XXXX XXXX. entry on XXXX  but with a different creditor and a slightly lower balance of {$1200.00} as of XX/XX/XXXX. This discrepancy in creditor name and balance across bureaus indicates a failure to ensure consistency and accuracy under 15 U.S.C. 1681e ( b ). Experian is also reporting a collection from XXXX XXXX for account ending in XXXX dated XX/XX/XXXX, with a balance of {$480.00}. These items are questionable in their accuracy and completeness. 

XXXX  is reporting a charge-off from XXXX XXXX ( same account ending in XXXX ) dated XX/XX/XXXX for {$0.00}. XXXX is also reporting XXXX XXXX XXXX under the same account number ending in XXXX as reported by both XXXX and Experian, with the balance of {$1200.00}. The fact that the same account appears under different names and with differing balances is deeply troubling and suggests a systemic failure to conduct accurate investigations. 

As required by 15 U.S.C. 1681i, I am entitled to a reasonable and timely reinvestigation of these accounts. Additionally, as mandated by 15 U.S.C. 1681e ( b ), each bureau must ensure that the information furnished is accurate and up to date. If these items can not be verified with original documentation from the furnishers, they must be deleted promptly. Furthermore, as these entries concern alleged debts, the reporting agencies and furnishers are obligated under 15 U.S.C. 1692g to provide documented validation, which I have not received to date.

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 2025-05-28 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
On XX/XX/25, we charged {$4300.00} and on XX/XX/25 made a payment of exactly {$4300.00}. The XXXX statement on the card, showed the regular minimum payment of {$280.00} and interest as usual ( about {$100.00} ). 
The XXXX statement on the card, showed the minimum payment of {$420.00} and interest of {$200.00}. WOW! 
Immediately, I called to inquire the discrepancy on XX/XX/25 and they advised the payment was not allocated properly and put in a request to do so. In turn, I made a {$200.00} during call while awaiting the allocation to take place ; which they did advise could take 2 billing cycles ( leaving still a minimum balance of {$220.00} ). 
I received an email on XX/XX/25 with a letter attached dated XX/XX/25 advising they were " unable to reallocate payments to and from deferred interest promotions ''. 
I called today XX/XX/25, spoke to a rep whom could not assist with any resolution and connected me to a manager. The manager was only able to reassure me by advising they can pull the call from the original inquiry/request made on XX/XX/25, and I'd get a call back in 3-5 business days with no guarantees that reallocation of the payment would still be taken care of. ( I still have a minimum balance of {$220.00} due in 4 days ) So now, I have paid over XXXX XXXXXXXX and ended up with almost double monthly payment. 
I need some type of resolution. 
This complaint is on Synchrony Bank via Lowe 's Credit Card.

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 2025-05-28 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: MD

Complaint narrative:
This is a formal request for the removal of fraudulent accounts that appeared after a data breach. Pursuant to Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ( a ) ), block and delete these accounts within 4 days : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX MD XXXX Please delete and block the following accounts from my credit report Accounts XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$26000.00} XXXX XXXX  XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$26000.00} XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$1300.00} XXXX XXXX XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$26000.00} XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$630.00} XXXXXXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$190.00} XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$1200.00} XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$16000.00} XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} Inquiries XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/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