vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-30 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: MO

Complaint narrative:
I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. This account has been reporting inaccurately. I wanted to dispute this account because of this and it was affecting my credit report. I am having problems with this unfair treatment. I am sure that I settled this account before because it was not mine. This account was taken care of with the original creditor and promised me to update it out of my report. Therefore, this account is unverifiable. This is an error that you need to look into, so please do your investigation on this and remove or delete this account 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 2025-05-30 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: SC

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 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 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 2025-05-30 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: Bridge IT, Inc.
State: NC

Complaint narrative:
On or about XX/XX/XXXX, I submitted a written dispute regarding inaccurate or incomplete information appearing on my consumer report, pursuant to the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S. Code 1681i. My dispute was mailed via certified mail and received by the company on XX/XX/XXXX, as confirmed by USPS tracking number XXXX. 

In accordance with the FCRA, the company was required to conduct a reasonable reinvestigation of the disputed information and report the results of that reinvestigation to me within 30 days. However, no investigation results were ever received, either within the required timeframe or thereafter. 

Additionally, after receiving the initial response from the first disputewhere the company claimed the account was accurate, validated, or verifiedI timely requested a reinvestigation of the information pursuant to 15 U.S. Code 1681i ( a ) ( 5 ) ( B ). Under this provision, if a consumer makes a written request for reinvestigation within 15 days of receiving the original results, the company is required to : Conduct a reinvestigation ; Review and consider all relevant information provided by the consumer ; Complete the reinvestigation within 15 days ; Provide the consumer with written results within XXXX business days after completion.yr I made this reinvestigation request on XXXX XXXX, which was again sent via certified mail and received by the company on XX/XX/XXXX / Tracking # XXXX. Despite clear evidence of receipt, I did not receive any results from the reinvestigation process, nor did the company notify me of any deletion, correction, or validation procedures as required under the law. 

The company failed to meet its obligations under the FCRA by not conducting a reasonable reinvestigation and by failing to provide results within the statutory timeframes. Their inaction and non-responsiveness constitute willful noncompliance with the FCRA. 

I am seeking regulatory intervention and enforcement action for this failure to comply with 15 U.S. Code 1681i, and for the ongoing reporting of inaccurate or unverifiable information that has not been properly investigated or validated. 

XXXX, XXXXXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-30 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: TX

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. CXXXXe XXXXi ) requiring a proper reinvestigation of disputed items, and XXXX ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. CXXXXe XXXX ) for deceptive and misleading 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 2025-05-30 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: FL

Complaint narrative:
I am formally requesting the prompt removal of the unauthorized accounts listed on my credit report, as I neither authorized nor was aware of their existence. In compliance with 15 U.S.C. XXXXi of the Fair Credit Reporting Act, please delete these entries within XXXX days. Enclosed are supporting documents for your review.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-30 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:
XXXX XXXX XXXX is reporting a collection account for a residential lease with XXXX XXXX XXXX in the amount of {$5900.00}. I have no contract or documentation supporting this debt. I requested validation under FDCPA 809 ( b ) and FCRA 609 ( a ) ( 1 ), but they failed to respond. 

This account is unverifiable and possibly inaccurate. It should be removed from my report if validation can not be provided.

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 2025-05-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
XXXX XXXX XXXX is reporting a collection account for a residential lease with XXXX XXXX XXXX in the amount of {$5900.00}. I have no contract or documentation supporting this debt. I requested validation under FDCPA 809 ( b ) and FCRA 609 ( a ) ( 1 ), but they failed to respond. 

This account is unverifiable and possibly inaccurate. It should be removed from my report if validation can not be provided.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-30 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: NC

Complaint narrative:
On or about XX/XX/XXXX, I submitted a written dispute regarding inaccurate or incomplete information appearing on my consumer report, pursuant to the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S. Code 1681i. My dispute was mailed via certified mail and received by the company on XX/XX/XXXX, as confirmed by USPS tracking number XXXX. 

In accordance with the FCRA, the company was required to conduct a reasonable reinvestigation of the disputed information and report the results of that reinvestigation to me within 30 days. However, no investigation results were ever received, either within the required timeframe or thereafter. 

Additionally, after receiving the initial response from the first disputewhere the company claimed the account was accurate, validated, or verifiedI timely requested a reinvestigation of the information pursuant to 15 U.S. Code 1681i ( a ) ( 5 ) ( B ). Under this provision, if a consumer makes a written request for reinvestigation within 15 days of receiving the original results, the company is required to : Conduct a reinvestigation ; Review and consider all relevant information provided by the consumer ; Complete the reinvestigation within 15 days ; Provide the consumer with written results within XXXX business days after completion. 

I made this reinvestigation request on XXXX XXXX, which was again sent via certified mail and received by the company on XX/XX/XXXX/ Tracking # XXXX. Despite clear evidence of receipt, I did not receive any results from the reinvestigation process, nor did the company notify me of any deletion, correction, or validation procedures as required under the law. 

The company failed to meet its obligations under the FCRA by not conducting a reasonable reinvestigation and by failing to provide results within the statutory timeframes. Their inaction and non-responsiveness constitute willful noncompliance with the FCRA. 

I am seeking regulatory intervention and enforcement action for this failure to comply with XXXX XXXX Code 1681i, and for the ongoing reporting of inaccurate or unverifiable information that has not been properly investigated or validated. 

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 2025-05-30 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: EQUIFAX, INC.
State: NC

Complaint narrative:
On or about XX/XX/XXXX, I submitted a written dispute regarding inaccurate or incomplete information appearing on my consumer report, pursuant to the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S. Code 1681i. My dispute was mailed via certified mail and received by the company on XX/XX/XXXX, as confirmed by USPS tracking number XXXX. 

In accordance with the FCRA, the company was required to conduct a reasonable reinvestigation of the disputed information and report the results of that reinvestigation to me within 30 days. However, no investigation results were ever received, either within the required timeframe or thereafter. 

Additionally, after receiving the initial response from the first disputewhere the company claimed the account was accurate, validated, or verifiedI timely requested a reinvestigation of the information pursuant to 15 U.S. Code 1681i ( a ) ( 5 ) ( B ). Under this provision, if a consumer makes a written request for reinvestigation within 15 days of receiving the original results, the company is required to : Conduct a reinvestigation ; Review and consider all relevant information provided by the consumer ; Complete the reinvestigation within 15 days ; Provide the consumer with written results within XXXX business days after completion. 

I made this reinvestigation request on XXXX XXXX, which was again sent via certified mail and received by the company on XX/XX/XXXX/ Tracking # XXXX. Despite clear evidence of receipt, I did not receive any results from the reinvestigation process, nor did the company notify me of any deletion, correction, or validation procedures as required under the law. 

The company failed to meet its obligations under the FCRA by not conducting a reasonable reinvestigation and by failing to provide results within the statutory timeframes. Their inaction and non-responsiveness constitute willful noncompliance with the FCRA. 

I am seeking regulatory intervention and enforcement action for this failure to comply with XXXX XXXX Code 1681i, and for the ongoing reporting of inaccurate or unverifiable information that has not been properly investigated or validated. 

XXXX, XXXX XXXX, XXXX, XXXX XXXX,

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-30 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:
I am writing to formally demand your agency 's compliance with the Fair Credit Reporting Act ( FCRA ) in connection with the ongoing mishandling of my credit file. Despite multiple dispute attempts, you have failed to remove fraudulent accounts that do not belong to me and continue to report unverifiable information. This conduct is in direct violation of federal law and my consumer rights. 
The accounts listed below were opened fraudulently as a result of identity theft. I have submitted several dispute letters requesting their removal, yet you have responded with vague and non-substantive explanations that do not meet the legal standards required under the FCRA. 
Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), you are legally obligated to perform a meaningful investigation upon receipt of a consumer dispute. Your continued reliance on form responses without providing original validation of the debts in question constitutes noncompliance.

Moreover, 15 U.S.C. 1681e ( b ) mandates that consumer reporting agencies ensure the highest possible level of accuracy in reporting. Your agencys failure to take corrective action demonstrates a reckless disregard of these obligations.

You are hereby given 30 days from the date of this letter to provide the following : 1. Full and original verification documents from the creditors proving the validity of the accounts in questionnot generic responses ; 2. A comprehensive outline of the investigation performed, detailing each step taken ; 3. The names, job titles, and contact details of the individuals responsible for reviewing and responding to my dispute ; 4. Written confirmation that all unverifiable information has been permanently deleted from my credit file pursuant to 15 U.S.C. 1681i ( a ) ( 5 ).

If you fail to respond adequately within the timeframe stated, I will pursue immediate legal action. This includes filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the California State Attorney General. I will also proceed with litigation under 15 U.S.C. 1681n for willful noncompliance, which allows for the recovery of statutory damages, punitive damages, attorney fees, and costs. 
The following accounts are fraudulent, and I have already received confirmation from the relevant banks that they should not be associated with my credit profile. Please review and remove these accounts immediately, and provide supporting verification if you continue to report them : XXXX XXXX  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-30 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: LA

Complaint narrative:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I looked at my XXXX, Equifax XXXX XXXX  credit report on XX/XX/2025 and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

And according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-30 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: LA

Complaint narrative:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I looked at my Experian, XXXX  XXXX XXXX  credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

And according to 15 USC 1681s-2 they are suppose to 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 explanation
Consumer complaint received 2025-05-30 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: MT

Complaint narrative:
Multiple inaccuracies reported on my credit report causing serious losses do to worse credit. 
Unwillingness to assist, without guiding to a third party that charges money to help fix. 
Extremely unpleasant and unprofessional staff. 
Was not notified when negative impacts to my score as an authorized user of a card happened or were going to happen. 
My Credit Union notified me of the inaccuracies and sent a letter stating such.

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 2025-05-30 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:
YOU ARE VIOLATING MY FCRA & FDCPA CONSUMER RIGHTS. The federal law under the FCRA states that to disclose my personal information, you have to have my written consent, making you liable for any remedy under the 15 U.S.C. Code 1681n ( a ) ( 1 ) ( A ) Civil Liability section. After reviewing my consumer report, I noticed your office again violated my privacy. Under 15 USC 1681 ( a ) ( 4 ).

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 2025-05-30 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Kriya Capital, LLC
State: OH

Complaint narrative:
XXXX XXXX XXXX, XXXX. 
XXXX XXXX XXXX XXXX XXXX, Ohio XXXX ( XXXX ) XXXX XXXX XX/XX/2025 Credence Resource Management XXXX XXXX XXXX XXXX XXXX, GA XXXX Re : Request for Debt Validation Account Number : XXXX Amount : {$170.00} Dear Sir/Madam, I am writing to dispute the validity of the collection account referenced above, which has been reported on my credit report. I formally request that you provide full validation of this debt as required under the Fair Debt Collection Practices Act ( FDCPA ). 
Please provide the following documentation : 1. The name and address of the original creditor.

2. A complete account history, including the original amount, any interest, fees, and any payments made.

3. A copy of the original signed agreement or contract between myself and the original creditor.

4. A detailed statement showing the current balance, including any additional fees, charges, or interest that have been added to the debt.

5. Proof that Credence Resource Management is authorized to collect on this debt.

Under the FDCPA, you are required to respond to this request within 30 days of receiving this letter. If you can not provide the requested validation, I ask that this debt be removed from my credit report and that all collection efforts cease immediately. 
I appreciate your prompt attention to this matter. Please send all correspondence and documentation to the address listed above. 
Sincerely, XXXX XXXX XXXX, XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
I submitted a request to the credit bureau to update the address listed on my credit report. I provided supporting documentation proving my current address at XXXX XXXX XXXX, XXXX, AZ XXXX, including a copy of my ID and a utility bill. Despite this, the bureau did not update my address or remove previous outdated addresses, including XXXX XXXXXXXX XXXX XXXXXXXX, XXXX, AZ XXXX, which are no longer valid. 

This violates my rights under the Fair Credit Reporting Act, which requires credit reporting agencies to maintain accurate and up-to-date personal information. The presence of incorrect addresses can increase the risk of mixed files, fraud alerts, or inaccuracies in account reporting. 

I am requesting the CFPBs help in getting the credit bureau to remove incorrect address data and ensure only my current, verifiable address is shown.

Company response to consumer: Closed with non-monetary relief