vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-21 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: NY

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 2025-10-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I am disputing the incorrect personal information currently being reported on my TRANSUNION consumer report. My correct address XXXX XXXX XXXX XXXX, NJ XXXX, is not reflected, and instead, outdated and incorrect addresses like XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX and XXXX XXXX XXXX XXXX XXXX, NJ XXXX are still being reported. These outdated addresses must be removed immediately, and my correct address must be updated to ensure the accuracy and integrity of my file. The continued display of incorrect or outdated personal information is unacceptable and creates significant complications for me. It increases the risk of misidentification and severely impacts my ability to maintain financial credibility and security. The ongoing reporting of false and outdated information directly violates 15 U.S.C. 1681e ( b ), which mandates that credit reporting agencies ensure the maximum possible accuracy of all information reported. By continuing to display these incorrect details, TRANSUNION is in violation of its legal obligation. This also violates 15 U.S.C. 1681b ( 2 ), which prohibits the reporting of any personal information without a permissible purpose or authorization. I am demanding immediate correction of these inaccuracies. If these incorrect addresses are not removed immediately, I will pursue further action. It is critical that my consumer report reflects only accurate, authorized, and relevant information. Failure to comply will lead to the escalation of 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 explanation
Consumer complaint received 2025-10-21 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: SC

Complaint narrative:
After careful review of my credit report, I found many inaccurate information, none of the information matches the XXXXcredit bureau , they all have different information that violates both the FCRA and Metro 2 compliance 's standards, i haver attached images of my credit report for you to see the error on the report, if the account is charged off why is there still a balance showing, they all have different dates of last payment, date of account closed, date charged off, with all these inconsistences please have the XXXX credit bureau remove this info 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 non-monetary relief
Consumer complaint received 2025-10-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
After careful review of my credit report, I found many inaccurate information, none of the information matches the XXXXcredit bureau , they all have different information that violates both the FCRA and Metro 2 compliance 's standards, i haver attached images of my credit report for you to see the error on the report, if the account is charged off why is there still a balance showing, they all have different dates of last payment, date of account closed, date charged off, with all these inconsistences please have the XXXX credit bureau remove this info 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 2025-10-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Kriya Capital, LLC
State: TX

Complaint narrative:
CREDENCE RESOURCE MANA is falsely reporting on my credit. I have never had any accounts with them. Per my research CREDENCE RESOURCE MANA 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 2025-10-21 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: Experian Information Solutions Inc.
State: KY

Complaint narrative:
b'To:\nEquifax Information Services LLC\nXXXX XXXX XXXX GA XXXX-XXXXExperianXXXX XXXX XXXX TX XXXXTransUnion Consumer SolutionsXXXX XXXX XXXX PA XXXXDate: XXXX XXXX XXXXSubject: Request to Update / Change Address on My Credit File\nFull Name: XXXX XXXXDate of Birth: XXXX XXXX XXXXSocial Security Number: XXXXNew Mailing Address:XXXX XXXX XXXX, KY XXXXDear Credit Bureaus,\nI am writing to request that each of the credit reporting agencies listed above update my address in your records. Please ensure that all files and reports associated with my credit history reflect my new current mailing address shown above.\n\nRemove Fraudulent Addresses, these are not valid: \nFull Address HistorXXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX  TX XXXX   XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX  TX XXXX XXXX XXXX XXXX  TX XXXX   XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX LA XXXX XXXX XXXX XXXX XXXX LA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXXXXXX XXXXEnclosed are copies of the following documents to verify my identity and address:\nGovernment-issued photo identification (copy)\nProof of current residence (such as a utility bill, lease agreement, or bank statement showing my name and new address)\n\nThank you for your prompt attention to this matter.\nSincerely,\n(Signature)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 2025-10-21 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: TX

Complaint narrative:
I dispute the inclusion of accounts that were created without my authorization. Kindly review extensively and expunge them. Relevant evidence is enclosed.

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 2025-10-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I'm a victim of identity theft. There are XXXX hard inquiries in my credit report that do not belong to me. This happened because of the data leak on my job, my info was leak on my job.

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 2025-10-21 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: AL

Complaint narrative:
After multiple disputes, the bureau is still in violation of FCRA 1681n & 1681o, continuing to report unverifiable information despite clear legal obligations and case law precedents.

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 2025-10-21 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: AL

Complaint narrative:
After multiple disputes, the bureau is still in violation of FCRA 1681n & 1681o, continuing to report unverifiable information despite clear legal obligations and case law precedents.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Orion Capital Solutions LLC
State: TX

Complaint narrative:
I am writing to formally request debt validation for a collection account mentioned in a letter I recently received. Under my rights through the Fair Debt Collection Practices Act ( FDCPA ), I ask that your office provide clear proof that the debt is valid. This should include the name of the original creditor, the amount owed, a full payment record, and proof that I am responsible for this debt. 

I am making this request to ensure the information being reported is accurate and not the result of a mistake, fraud, or confusion. While waiting for proper validation, I ask that you pause all collection activity and reporting related to this account, as allowed by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-21 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: AZ

Complaint narrative:
In XX/XX/XXXX, Jefferson Capital Systems began reporting a collection account for {$3700.00} allegedly owed to XXXX. I first noticed this on my credit report in XX/XX/XXXX. I do not recall owing this debt and have not received sufficient documentation to verify its validity. On XX/XX/XXXX, I submitted a formal written request to Jefferson Capital Systems asking for debt validation under 15 U.S. Code 1692g. 1 requested a copy of the original contract, a breakdown of the charges, and documentation showing how the debt was transferred to them. I also asked for proof that they are licensed to collect debts in Arizona. As of today, Jetferson Capital Systems has not provided the requested information. They continue to report the debt to credit bureaus without verifying its accuracy. I believe this violates my rights under the Fair Debt Collection Practices Act

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-21 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I have submitted multiple disputes letters ( XX/XX/XXXX, XXXX, and in XX/XX/XXXX ) to Equifax regarding XXXX XXXXXXXX XXXX XXXX charge-off accounts that are now obsolete under the Fair Credit Reporting Act ( FCRA ) 605 ( a ). Despite providing proof, Equifax continues to report both accounts and has failed to correct or delete them after four separate disputes. 

The accountsending XXXX and XXXX from credit cards that became delinquent in late XXXX and were closed in early XXXX. Under FCRA 605 ( a ) ( 4 ) and 623 ( a ) ( 5 ), such charge-offs must be removed seven years plus 180 days after the Date of First Delinquency ( DOFD ). Based on the original delinquency dates, both accounts should have aged off by XXXX. 

In my XXXX written dispute, I provided : XXXX  investigation results ( XX/XX/XXXX and XX/XX/XXXX ) confirming that both identical XXXX accounts were deleted as obsolete ; XXXX Chase statements showing the accounts were already past due by XX/XX/XXXX ; and My formal Equifax letter citing FCRA 605 ( a ) and requesting deletion to match XXXX  findings. 

Equifaxs reinvestigation response dated XXXX did not delete the accounts. Instead, Equifax merely changed one tradeline line item reported DOFD to XXXX, leaving the others untouched effectively re-aging the accounts and extending their reporting period beyond the seven-year limit. This outcome conflicts with clear documentary evidence and violates FCRA 611 ( a ) ( failure to conduct a reasonable reinvestigation ), 623 ( a ) ( 1 ) ( A ) ( furnishing inaccurate information ), and 605 ( a ) ( continued reporting of obsolete accounts ).

I have filed over four disputes, and each time Equifax has returned an automated verified as accurate message without meaningful investigation or documentation of how the DOFD was determined. These accounts continue to appear as charge-offs on my Equifax credit file while XXXX has already deleted them as obsolete. 

This inaccurate reporting materially harms my credit standing and mortgage underwriting outcomes. I am requesting that the CFPB ensure Equifax performs a lawful, manual reinvestigation and permanently deletes both XXXXXXXX XXXX XXXX  tradelines.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-21 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: NV

Complaint narrative:
The Fair Credit Reporting Act ( XXXX XXXX Code XXXX ) says ( XXXX ) 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 XXXX Code XXXX 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 ( XXXX ) and the Truth in Lending Act XXXX XXXX  ), 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 2025-10-21 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: CA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the Experian credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : ACCOUNTS : BANKRUPTCY - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/year>, Balance : {$0.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a 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 2025-10-21 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: AZ

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the Equifax credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : INQUIRIES : XXXX  Date : XXXX XXXX XXXX Date : XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-21 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Credit Corp Solutions Inc.
State: GA

Complaint narrative:
Dear CFPB Investigations Unit, I am submitting this formal complaint pursuant to 15 U.S.C. 1681i and 1681s-2 ( b ) regarding the ongoing reporting of inaccurate, incomplete, and unverified negative information within my XXXX  consumer file.

Despite the Fair Credit Reporting Acts guarantee that consumer reporting agencies maintain maximum possible accuracy, XXXX  continues to report data that challenges the volition of ownership, accuracy, and validity of multiple tradelines. These items fail to meet the reasonable verification requirements as outlined under FCRA 1681e ( b ) and 1681i ( a ) ( 1 ) ( A ).

I request the CFPB to open an immediate investigation into XXXX  failure to properlyownership, accuracy, and validity of multiple tradelines. These items fail to meet the reasonable verification requirements as outlined under FCRA 1681e ( b ) and 1681i ( a ) ( 1 ) ( A ).

I request the CFPB to open an immediate investigation into XXXX  failure to properly verify and delete disputed data, and to compel the following furnishers to provide ownership validation and lawful documentation of the alleged debts. Where no contract or legally binding consent is proven, these tradelines must be deleted in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
To whom ever this may concern, im currently a victim of identity theft. My information was involved in a data breach caused by transunion, all of my personal information was compromised like my date of birth my social security number along with my identification. Number .whom ever has compromised my personal information has been applying for credit cards and loans using ny personal information without my consent or acknowledgement. The suspect has applied for citi bank / citi card, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX plus many more. I XXXX XXXX XXXX have never applied for any credit card or loan with none of the banks mentioned in my report. This has been so disturbing and awful. Someone literally has reached out to all these banks and have been given credit or funds on behalf of my identity without my acknowledgement or consent. At this time I would like all banks mentioned to be notified and for any fraudulent account /outstanding balances to be removed from my social security number / identification number at this time .the irs has already deemed me a victim of identity theft along with XXXX XXXX XXXX My XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX i would like this handled immediately as I do not wish to be held accountable for these fraudulent accounts.

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