vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- 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. 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 youhave 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.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT

Complaint narrative:
I am writing to dispute fraudulent information on my credit report pursuant to XXXX5 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within XXXX business days. 
To following information on my credit report is the result of identity theft and should be blocked : Listed below are the Collection Information that are being challenged : 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 As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and TRANSUNION has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Southwest Recovery Services, Inc.
State: VA

Complaint narrative:
A Direct Question for CFPB : Has Southwest Recovery Services provided a legally valid chain of title including a bill of sale, assignment agreement, or transfer document that specifically names me and confirms XXXX XXXX XXXX delegated collection rights to them? Without this documentation, there is no privity of contract and no legal basis for collection or credit reporting. I request that CFPB require Southwest Recovery Services to produce these documents or remove the tradeline entirely. 

I have a Legal Demand for Chain of Title & Validation My Request for Chain of Title & Legal Standing to Collect I request that Southwest Recovery Services provide a complete chain of title documenting the legal transfer of this alleged debt. This must include : Bill of Sale / Assignment Agreement showing XXXX XXXX XXXX lawfully transferred the alleged account to Southwest Recovery Services. 

XXXX XXXX my name, account number, and balance must appear within that transfer document. 

Proof of Privity evidence that I entered into a legal contract with Southwest Recovery Services or gave written consent for them to collect or report any data. 

Notice of Transfer proof I was notified when the debt allegedly changed hands, as required under FDCPA & FCRA. 

Without these documents, Southwest Recovery Services has no standing to collect, no contractual relationship with me, and no permissible purpose to furnish credit data to any bureau. Their continued reporting constitutes furnishing unverifiable information in violation of FCRA 623 ( a ) ( 1 ) ( A ) and FDCPA 807 ( 8 ).

I request that CFPB review this matter and compel Southwest Recovery Services to either produce the legal chain of assignment or remove this unverified account from all credit reporting agencies immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

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 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 2025-11-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX XXXX XXXX  is reporting inaccurate credit information for my account ending in XXXX. The credit bureaus she the following status for this account : Charged Off, {$940.00} Written off, {$940.00} past due as of XX/XX/year>. This is incorrect and misleading. Once tan account is charged off, it can not continue to report a past-due amount. The past-due field must be {$0.00} after charge-off according to XXXX XXXX Credit Reporting Standards. Reporting both charged-off and past-due violates FCRA 607 ( b ) -duty to report accurate information, FCRA 623 ( a ) ( 1 ) ( A ) -p prohibitions on furnishing inaccurate information, XXXX XXXX guidelines, which XXXX  XXXX is required to follow as a furnisher. I am requesting that XXXX XXXX XXXX  Correct the reporting by removing the past-due balance ( setting it to {$0.00} ) or Delete the account entirely if they can not verify accurate reporting. I am also requesting aa written response detailing their verification process under the FCRA 623.

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 2025-11-21 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: TX

Complaint narrative:
XXXX XXXX XXXX  is reporting inaccurate credit information for my account ending in XXXX. The credit bureaus she the following status for this account : Charged Off, {$940.00} Written off, {$940.00} past due as of XX/XX/year>. This is incorrect and misleading. Once tan account is charged off, it can not continue to report a past-due amount. The past-due field must be {$0.00} after charge-off according to XXXX XXXX Credit Reporting Standards. Reporting both charged-off and past-due violates FCRA 607 ( b ) -duty to report accurate information, FCRA 623 ( a ) ( 1 ) ( A ) -p prohibitions on furnishing inaccurate information, XXXX XXXX guidelines, which XXXX  XXXX is required to follow as a furnisher. I am requesting that XXXX XXXX XXXX  Correct the reporting by removing the past-due balance ( setting it to {$0.00} ) or Delete the account entirely if they can not verify accurate reporting. I am also requesting aa written response detailing their verification process under the FCRA 623.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-21 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: TN

Complaint narrative:
I got service back with XX/XX/year> so shouldnt never be on my credit

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA XXXX ( 15 U.S.C. XXXX ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. 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 youhave 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 XX/XX/XXXXdays 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.

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 2025-11-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA XXXX ( 15 U.S.C. XXXX ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. 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 youhave 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 XX/XX/XXXXdays 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.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
As a direct result of a recent data breach, my personally identifiable information was compromised and misused without my knowledge or consent. This led to the appearance of unauthorized accounts, unfamiliar credit inquiries, and inaccurate late payment entries on my credit reportall of which I did not initiate, authorize, or recognize.

I am formally requesting a comprehensive reinvestigation into these accounts and inquiries under the Fair Credit Reporting Act ( 15 U.S. Code 1681i ), and I ask that all inaccurate, unverifiable, or fraudulent information be permanently removed from my credit file. I have enclosed supporting documentation, including an Identity Theft Report, to assist in resolving this matter.

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 2025-11-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
I have sent the credit bureaus my human trafficking and identity theft information several time under " THE DEBT BONDAGE ACT '' to no avail. According to the bondage Act It is important to note that information included on credit reports is gathered from original sources known as information furnishers, such as banks, credit card companies, or debt collection agencies. Through this new process, consumer reporting agencies remove the information from the credit reports they create but do not contact the furnishers of the information about the block, in the interest of survivor privacy and security. This means that the furnishers may continue to disseminate the blocked information in the future. Consumer reporting agencies may maintain an internal record of the blocked information in order to prevent the same information from being inadvertently reinserted into the report later. 

Experian and Equifax keep sending me generic letters via email stating that my documents aren't sufficient and they refuse to remove and block the accounts. I have submitted the documents several times and they keep refusing which is a violation of my consumer rights as a trafficking victim.

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 2025-11-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I am submitting this complaint because TransUnion is reporting information that I believe is inaccurate or unverified. My disputes with TransUnion have not resulted in proper documentation or corrections. 

CHARGED-OFF / COLLECTION ACCOUNTS XXXX Acct XXXX XXXX Reported XX/XX/year> Balance : XXXX XXXX XXXX XXXX  Acct : XXXX Reported XX/XX/year> Balance : XXXX I dispute these accounts because TransUnion has not provided proof of ownership, balance accuracy, or correct reporting. 

There are no inquiries or late payments currently in dispute for TransUnion. 

I request that TransUnion validate these accounts or remove them if they can not be fully verified under the FCRA.

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 2025-11-21 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: RentDebt Automated Collections, LLC
State: TN

Complaint narrative:
I was living with my boyfriend family and when we left from living with them I realized I couldnt find my social security card and my driver license and some how they found my stuff and put 3 apartments in my name around the time of XXXX one of my previous apartments XXXX XXXX told me that I was living on another one of their properties and am I aware and show my ID so I went to XXXX XXXX and showed them my ID they told me that a lady was coming up there pretending to be me and had a tattoo on neck and I dont have a tattoo on my neck so I dont know how they let someone that didnt look like me even allow them to continue with the apartment and I cant even think the name of the other one I believe its Water something I contacted legal aid and did my police report and I just need these apartments I did signed to to come off my credit they let these people force my signature and every one writing is different so I know how I sign! And definitely wasnt my hand written

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rozlin Financial Group, Inc.
State: IN

Complaint narrative:
Rozlin Financial is attempting to collect an unauthorized XXXX subscription renenal from XX/XX/year>. I cancelled the subscription and blocked payment with my credit card company before the renewal. No charge was ever processed and no services were provided. Reference # XXXX. 
I have already sent a timely debt validation letter by certified mail.

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 2025-11-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

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 TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with 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 2025-11-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I am a consumer currently working to fix my credit. I am disputing the following accounts and inquiries that appear on my Experian credit report : XXXX. Charged Off Accounts : CAPITAL XXXX, Account Number : XXXX, Date Opened : XX/XX/year>, Balance : {$0.00} XXXX. Late Payments : XXXX, Account Number : XXXX CAPITAL 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 explanation
Consumer complaint received 2025-11-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( XXXX XXXX XXXX XXXX ) 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 XXXX and XXXX ( XXXX XXXX Code 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 explanation
Consumer complaint received 2025-11-21 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Westcreek Financial
State: NV

Complaint narrative:
I never opened this account, I shared this with koalafi and they refuse to help me

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I, XXXX XXXX XXXX, am submitting this complaint and request assistance from the CFPB regarding issues with my credit report. Upon reviewing my credit report, I discovered multiple accounts that I do not recognize. I later learned that my personal information was exposed during an Equifax data breach. 

As a result of this breach, my Social Security number and identity have been compromised, leading to unauthorized activity on my credit file. I have already reported this incident to the Federal Trade Commission, and the associated FTC Report XXXX is 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