vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-20 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 surprised to see incorrect accounts on my credit report this morning, and I dont understand why theyre there. I checked the report like I usually do, but this time, there were random errors. Refreshing the page didnt help at allthey were still there. Because of this, I respectfully request that the documents I submitted be examined thoroughly so I wont have to worry about this issue anymore.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-20 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:
Upon reviewing my Consumer Reports, I discovered an instance of this account that is not authorized to be on my report. XXXX report is attached to this report. Consumer Reporting Agencies play a crucial role in accurately reporting consumer information. It is imperative that this information be reported with utmost accuracy.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am submitting this formal complaint because Experian refuses to remove outdated and incorrect addresses from my credit report. I have provided valid proof of my current address, including official documentation, and I have spoken to two Experian representatives who both stated that they were unable to delete the old addresses.

These outdated addresses are harming my credit dispute process by linking me to accounts that do not belong to me. Despite following the proper procedures and providing Experian with all necessary supporting documents, they are continuing to report obsolete personal information.

This violates the Fair Credit Reporting Act ( FCRA ), which mandates that consumer reporting agencies must ensure the information on credit reports is accurate and up-to-date. The continued inclusion of these addresses is prejudicial to my ability to dispute inaccuracies and may be considered a form of negligent or willful noncompliance.

I am requesting the Consumer Financial Protection Bureau 's assistance in compelling Experian to : 1. Remove all outdated and incorrect addresses from my file.

2. Acknowledge the proof I submitted and explain in writing why they are refusing to delete old addresses.

3. Cease linking my current disputes to incorrect historical address data.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-20 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 contacted XXXX XXXX XXXX XXXX company to let them know that my tradeline with them was not on my Equifax credit report. They told me that they were not aware that the tradeline wasn't reporting to Equifax so, they said they would get in touch with the credit reporting department. At another day and time XXXX got back with me and said they were not able to add the tradeline due to there being a block on my Equifax credit report. XXXX told me I need to contact Equifax to have it removed. Next I called Equifax and explained my issue, Equifax said I have a block ( s ) on my credit report and in order to remove so XXXX can report the tradeline I would need to send a short letter or cover letter stating I would like for any and all blocks to be removed from my Equifax credit report and in addition include a copy of my driver 's license and social security card. Once received they will remove the block ( s ). I did just that the same day and mailed it off. 
Weeks passed by and I hadn't heard back from Equifax so I sent another cover letter asking for them to remove the block ( s ) with another copy of my driver 's license and social security card. Equifax till this date of XX/XX/year> have not complied and removed the blocks and XXXX stopped communicating with me regarding reporting the tradeline to Equifax. I'm submitting a complaint on both of them because, I have done everything they have asked and more but, there's still no resolution and my XXXX XXXX is still not reporting on my Equifax credit report. I'm tired of going back and forth with Equifax and XXXX. Why can't they just simply report the XXXX tradeline to my Equifax credit report and why can Equifax just simply remove any blocks which may be preventing them from doing so after I have sent what they have asked of me twice. I've included and attached some of the emails and letters that went back and forth to no avail. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Kriya Capital, LLC
State: GA

Complaint narrative:
CREDENCE RM is falsely reporting on my credit. I have never had any accounts with them. Per my research CREDENCE RM is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-20 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: MA

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-20 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: MA

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-20 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:
I am writing this to you so you may help me stop the items from showing up on my credit reports. Other XXXX Bureaus dealt with the same problem many inaccuracies and false information. There have been letter received to them but there are no changes occurred to my credit report as of now. I am attempted to refute : XXXX XXXX XXXX : {$6800.00} Open Date XXXX XXXX, XXXX XXXX XXXXXXXX XXXX Balance {$1400.00} Open Date XX/XX/XXXX XXXX XXXXXXXX XXXX  Balance {$600.00} Open Date XX/XX/XXXX XXXX XXXXXXXX XXXX  Balance {$480.00} Open Date XX/XX/XXXX Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-20 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: OH

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXX ] Account Number : [ XXXX ]

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-20 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: CT

Complaint narrative:
I received a collection notice from [ insert collector 's name, e.g., XXXX XXXX ] for a debt I did not recognize and which I do not believe I owe. On XX/XX/year>, I sent a formal debt validation request via certified mail under my rights granted by the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g.

In my letter, I asked the company to provide : A copy of the original signed contract or agreement bearing my signature A full itemized account history Proof of legal assignment of the debt from the original creditor To date, the company has failed to provide any of the required documentation. Despite this, they continue to report this unverifiable debt to the credit bureaus and/or pursue collection, which is a direct violation of federal law.

I am requesting that the Consumer Financial Protection Bureau ( CFPB ) investigate this matter and compel the company to either properly validate the alleged debt with legal documentation or cease all collection activity and remove any negative reporting from my credit file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-20 00:00:00
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Financial Management Solutions, LLC
State: MD

Complaint narrative:
( XXXX XXXX XXXX XXXX, XXXX. For Fraudulent Collection and Abuse ) COURT CASE NUMBER XXXX I am filing this complaint against XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) for serious violations of federal consumer protection laws and misuse of the court system. He acted on behalf of XXXX XXXX XXXX and claimed to be collecting a debt, but has never provided valid legal proof that he or the company owns or is authorized to collect it. 

In XX/XX/year>, a Return of Service Served was filed in court, claiming court documents were served to a co-resident at a property in XXXX XXXX XXXX. I have never lived at that address. I have proof of residency in XXXX XXXX. I was never personally served, and the person who accepted documents was a complete stranger. This was fraudulent service of process used to secure a judgment behind my back. 

As a result, XXXX XXXX used that false judgment to garnish my wages at a time when I was unemployed and already struggling. Im a single mother, and this nearly caused me and my child to become homeless. I didnt know my rights and was afraid of being arrested. The emotional trauma and harassment caused me deep harm. 

When I asked for validation of the debt, XXXX XXXX only provided a lease and a balance statement. That is not legal validation under the FDCPA it's only verification, which is meaningless without showing ownership. I never signed any agreement with the collection agency or with XXXX XXXX. I have no contract or legal obligation to them. This is not my debt. 

To this day, XXXX XXXX has failed to provide : A legitimate purchase or assignment agreement A full chain of title or ownership Proof of licensing in the state of XXXX Any details showing whether the debt was securitized or sold When I called XXXX XXXX, he was rude, aggressive, and intimidating, refusing to answer questions and speaking to me in a hostile, threatening tone. His actions are not only unprofessional they are illegal. 

Federal Laws Violated by XXXX XXXX XXXX : Fair Debt Collection Practices Act ( FDCPA ) 1692d Harassment and abuse 1692e False, deceptive, or misleading representations 1692f Unfair and unconscionable means to collect 1692g Failure to properly validate debt 1692j Use of deceptive forms and abuse of process I have filed a lawsuit against XXXX XXXX XXXX for these violations. His actions caused financial harm, emotional distress, and violated my rights under federal law. I am requesting that the CFPB launch an investigation, stop all further collection attempts, and hold him accountable through enforcement action.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-20 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: NC

Complaint narrative:
TransUnion LLC Consumer Dispute Center XXXX. XXXX XXXX XXXX, PA XXXX RE : XXXX  Block Request To Whom It XXXX Concern, I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that trafficking. 

ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: OK

Complaint narrative:
I am filing this complaint due to critical violations of the Fair Credit Reporting Act ( FCRA ) by Experian, Equifax, and TransUnion, all of whom are reporting XXXX collection accounts on my credit reports but are blocking dispute functionality in their systems. As of XX/XX/year>, the online dispute portals for each of the above agencies show XXXX collection accounts available to dispute, despite my reports clearly listing 7 collection tradelines labeled as collections. This system defect or data access error is preventing me from exercising my federally protected right to dispute inaccurate or unverifiable entries under FCRA 611. This creates an unfair credit reporting environment and directly affects my ability to secure credit and housing.Furthermore, at least one of these collection accounts was sold to a third-party agency for less than the balance and has since been returned to the original creditor, as documented in writing. Despite this, the item continues to be reported as active and in collection. This contradicts FCRA 623, which requires accurate and up-to-date furnishing of information by data furnishers.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : 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 2025-06-20 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: MD

Complaint narrative:
I'm putting down to give my nervousness concerning the tried accounts on my credit report. On different events, I have raised the issue of mistakes in these records, and have dependably alluded to that they be totally penniless down. Notwithstanding what my undertakings, I in the long run can't get any objective or steady turn of events. These off track records are truly hurting my credit document and obstructing my ability to happen with a standard life. The obnoxious aftereffects of these mistakes have caused tremendous hardships for me, and I'm left with no choice close to rapidly fight for your assistance with reviewing what's happening. I liberally request that you direct a vigilant assessment concerning the fundamental of these tried records. It is basic that the main pushes are taken to reestablish and alter my credit report right away. With your help, I really want to restore the exactness and dependability of my credit record so I could recover control over my money related accomplishment. I really request that you present this matter your for the most part ludicrous suggestion and take a fast action. Your assistance and moving in settling this issue quickly would be astoundingly basic. Much appreciation to you without skipping a beat for your understanding and help.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-20 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:
FTC REPORT NO : XXXX Subject : Formal Dispute of Inaccurate Credit Information Under FCRA To Whom It May Concern, I am writing to dispute the accuracy and validity of certain accounts currently being reported on my TRANSUNION credit file. This letter serves as a formal dispute pursuant to my rights under the FAIR CREDIT REPORTING ACT ( FCRA ), specifically under 15 U.S.C. 1681i, 1681s-2, and 1681e ( b ). 
The accounts I am disputing are as follows : XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1000.00} XXXX  XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$12000.00} XXXX Account Number : XXXX Date Opened : XX/XX/XXXXXXXX  Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$2100.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-20 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 morning, I saw some incorrect accounts appear on my credit report, and Im completely unsure of how they got there. I review my report regularly, but this time I noticed unexpected discrepancies. I even refreshed my browser thinking it might be a temporary issue, but the inaccurate items remained. Given this, Im requesting a careful review of the documents I provided to ensure this doesnt happen again.

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