vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-03 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: FL

Complaint narrative:
My credit reports show several errors.XXXX XXXX XXXXXXXX * * * * ) is listed by Experian and Equifax as XXXX chargeoff/collection even though the balance was settled in full on XXXX guidelines require XXXX ( Paid in full was chargeoff ) or the tradeline must be removed.In addition, XXXX accounts ( XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX display latepayment codes for XXXX that never occurred.I have supplied documentation to each bureau, but all have refused to correct these clear factual errors. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX My credit reports show this account as a chargeoff/collection even though the balance is {$0.00} and the account was settled and closed in XXXX. The data furnisher is miscoding the tradeline, and all three CRAs are publishing the error despite my prior disputes. 

XXXX codes ( XXXX, XXXX, XXXX XXXX ) Each of the referenced accounts shows XXXX to XXXX late marks from XXXX, but my bank statements prove the payments posted before their due dates. The furnishers have failed to substantiate the lates.

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 2025-06-03 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:
My credit reports show several errors.XXXX XXXX XXXXXXXX * * * * ) is listed by Experian and Equifax as XXXX chargeoff/collection even though the balance was settled in full on XXXX guidelines require XXXX ( Paid in full was chargeoff ) or the tradeline must be removed.In addition, XXXX accounts ( XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX display latepayment codes for XXXX that never occurred.I have supplied documentation to each bureau, but all have refused to correct these clear factual errors. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX My credit reports show this account as a chargeoff/collection even though the balance is {$0.00} and the account was settled and closed in XXXX. The data furnisher is miscoding the tradeline, and all three CRAs are publishing the error despite my prior disputes. 

XXXX codes ( XXXX, XXXX, XXXX XXXX ) Each of the referenced accounts shows XXXX to XXXX late marks from XXXX, but my bank statements prove the payments posted before their due dates. The furnishers have failed to substantiate the lates.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-03 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Kriya Capital, LLC
State: CA

Complaint narrative:
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX credence resource management XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Formal Notice of Dispute, Demand to Cease Reporting, and CFPB Complaint Notification To Whom It May Concern, This letter serves as a formal dispute and demand regarding the debt your agency is currently reporting on my credit report. The entry is materially damaging to my ability to obtain credit and secure housing for my family, which constitutes a significant personal and financial hardship. 

I assert that this alleged debt is not valid, and your agency has failed to comply with key provisions of the Fair Debt Collection Practices Act ( FDCPA ) and Fair Credit Reporting Act ( FCRA ). Specifically : 1.Failure to Provide Notice of Debt Pursuant to 15 U.S.C. 1692g ( a ), a debt collector must provide written notice of the debt within five ( 5 ) days of initial communication, informing the consumer of their right to dispute the debt. I have never received any such notice.

2. Failure to Validate Debt Upon Dispute As outlined in 15 U.S.C. 1692g ( b ), upon notification of dispute, the collector must cease collection activities and provide validation of the debt. This has not occurred, and no evidence or documentation has been provided to prove the validity or origin of this alleged debt.

3. Improper Credit Reporting Without Consent or Validation Under 15 U.S.C. 1681s-2 ( a ), it is unlawful for a furnisher to report information that is inaccurate or has not been verified. By placing this account on my credit report without providing me a validation or notice, your agency is in direct violation of the FCRA. Additionally, the reporting of unverifiable information without consumer authorization constitutes a willful violation, per XXXXXXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX ( XXXXXXXX XXXX XXXXXXXX ). 

As such, I am demanding the immediate cessation of all reporting activities related to this alleged debt to XXXX XXXX XXXX XXXX Your agency must : Immediately remove this account from all consumer reporting agencies. 
Cease all collection and reporting activities unless and until full validation is provided. 
Provide evidence of my authorization, written agreement, or legal obligation to pay this alleged debt, which is currently absent.

If I do not receive confirmation within 15 calendar days that the item has been removed and all reporting has ceased, I will file a formal complaint with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and State Attorney Generals Office, and I will consider pursuing legal action for violation of federal consumer protection statutes. 

This letter is sent pursuant to the FDCPA and FCRA. All further communication must be in writing. Telephone contact is not authorized. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-03 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: GA

Complaint narrative:
This correspondence is to inform you of fraudulent accounts added to my credit profile due to a data breach. In compliance with Section 605B of the FCRA ( 15 U.S.C. 1681c-2 ( a ) ), please block and delete the 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 Address XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  Please delete and block the following accounts from my credit report Accounts XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$400.00} XXXXXXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$610.00} XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$610.00} XXXX XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$10000.00} XXXX XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$1600.00} XXXX XXXX XXXX XXXXXXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$10000.00} XXXXXXXX XXXX XXXX XXXXXXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$1600.00} Inquiries 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
Consumer complaint received 2025-06-03 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 correspondence is to inform you of fraudulent accounts added to my credit profile due to a data breach. In compliance with Section 605B of the FCRA ( 15 U.S.C. 1681c-2 ( a ) ), please block and delete the 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 Address XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  Please delete and block the following accounts from my credit report Accounts XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$400.00} XXXXXXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$610.00} XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$610.00} XXXX XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$10000.00} XXXX XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$1600.00} XXXX XXXX XXXX XXXXXXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$10000.00} XXXXXXXX XXXX XXXX XXXXXXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$1600.00} Inquiries XXXX  Date : XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
These entries remain unverified and questionable. Despite multiple attempts to have these inaccuracies properly investigated and resolved, no meaningful action has been taken. I have submitted all required documentation and followed up repeatedly, yet the errors persist. This ongoing lack of action has caused undue financial hardship and has significantly affected my well-being. The mental and emotional toll of dealing with these unresolved discrepancies has been overwhelming. 
Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a fair and accurate credit report, including the removal of unverifiable or incorrect information. I urge you to take immediate steps to verify and rectify these items, as failure to do so constitutes a violation of my rights under federal law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-03 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 605B ( 15 U.S.C. 1681c-2 ) that you, the ( TransUnion ) credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. 
I am filing this FTC Identity Theft Affidavit to report XXXX fraudulent accounts appearing on my consumer FICO Transunion credit report which I do not recognize as reported and which are the result of identity theft and fraud. These fraudulent accounts consist of a collection account opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX, a collection account opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX, and a collection account opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I demand that the aforementioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws. 
All accounts above, collections, late payments, and charge-offs result from identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud. I demand that the fraudulent items be removed from my consumer credit report and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws.

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 2025-06-03 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: NJ

Complaint narrative:
" I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about! 

"

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 2025-06-03 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: SC

Complaint narrative:
My name is XXXX XXXX. My date of birth is XX/XX/year>. my social security number is XXXX. This CFPB complaint has been filed to request pursuant to FCRA XXXX ( XXXX U.S.C. XXXX ) that you, the TransUnion credit reporting agency XXXX XXXX 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. This fraudulent, inaccurate, and false information consists of XXXX Account Number : 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 These accounts have resulted in several fraudulent XXXX  inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the XXXX  inquiries in question as well as a copy of the consumer XXXX credit report maintained by you which shows the XXXX  fraudulent items. I do not recognize the XXXX accounts, collections, or XXXX inquiries as reported. The XXXX accounts, collections, and XXXX  inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the XXXX accounts, collections, and XXXX  inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the XXXX Federal Trade Commission that all of the afoXXXX consumer credit accounts, collections, and XXXX  inquiries are the result of identity theft and fraud.

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 2025-06-03 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: SC

Complaint narrative:
My name is XXXX XXXX. My date of birth is XX/XX/year>. my social security number is XXXX. This CFPB complaint has been filed to request pursuant to FCRA XXXX ( XXXX U.S.C. XXXX ) that you, the TransUnion credit reporting agency XXXX XXXX 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. This fraudulent, inaccurate, and false information consists of XXXX Account Number : 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 These accounts have resulted in several fraudulent XXXX  inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the XXXX  inquiries in question as well as a copy of the consumer XXXX credit report maintained by you which shows the XXXX  fraudulent items. I do not recognize the XXXX accounts, collections, or XXXX inquiries as reported. The XXXX accounts, collections, and XXXX  inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the XXXX accounts, collections, and XXXX  inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the XXXX Federal Trade Commission that all of the afoXXXX consumer credit accounts, collections, and XXXX  inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-03 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: FL

Complaint narrative:
This letter serves as notice that my credit report has fraudulent accounts XXXX XXXX XXXX XXXX XXXX 
Pursuant to Section XXXX of the Fair Credit Reporting Act ( XXXX XXXX. XXXX ( a ) ), please block and delete them within XXXX  days : Also, would like to have all XXXX XXXX XXXX  REMOVED from my credit report, except for XXXX XXXX XXXX XXXX XXXX listed below : Name : XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX FL XXXX Please delete and block the following accounts from my credit report Accounts XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$19000.00} Inquiries XXXX  Date : XX/XX/XXXX XXXXX XXXXXXXX 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
Consumer complaint received 2025-06-03 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: FL

Complaint narrative:
This letter serves as notice that my credit report has fraudulent accounts XXXX XXXX XXXX XXXX XXXX 
Pursuant to Section XXXX of the Fair Credit Reporting Act ( XXXX XXXX. XXXX ( a ) ), please block and delete them within XXXX  days : Also, would like to have all XXXX XXXX XXXX  REMOVED from my credit report, except for XXXX XXXX XXXX XXXX XXXX listed below : Name : XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX FL XXXX Please delete and block the following accounts from my credit report Accounts XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$19000.00} Inquiries XXXX  Date : XX/XX/XXXX XXXXX XXXXXXXX Date : XX/XX/XXXX XXXX XXXX  Date : XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-03 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: AL

Complaint narrative:
These entries remain unverified and questionable. Despite multiple attempts to have these inaccuracies properly investigated and resolved, no meaningful action has been taken. I have submitted all required documentation and followed up repeatedly, yet the errors persist. This ongoing lack of action has caused undue financial hardship and has significantly affected my well-being. The mental and emotional toll of dealing with these unresolved discrepancies has been overwhelming. 
Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a fair and accurate credit report, including the removal of unverifiable or incorrect information. I urge you to take immediate steps to verify and rectify these items, as failure to do so constitutes a violation of my rights under federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-03 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 serves as notice that my credit report has fraudulent accounts due to a data breach.

Pursuant to Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ( a ) ), please block and delete them 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 AV XXXX, OH XXXX Please delete and block the following accounts from my credit report Accounts Inquiries XXXX Date : XX/XX/year> XXXX XXXX XXXX Date : XX/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