vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-14 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: TX

Complaint narrative:
The following items are fraudulent : XXXXXXXX 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 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 2025-11-14 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: CO

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 explanation
Consumer complaint received 2025-11-14 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: CO

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 2025-11-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I am filing this complaint because a collection account that was previously removed from my credit report after a dispute has been reinserted without proper notice or legal justification. The debt was originally disputed and deleted from my credit report. The company 's name is XXXX XXXX XXXX, Account Number : XXXX According to the Fair Credit Reporting Act ( FCRA 611 ( a ) ( 5 ) ( B ) ), the credit bureau is legally required to notify me in writing within 5 business days of reinserting a previously deleted item. I never received such notice.

Furthermore, the collection agency has not provided proper debt validation, despite my requests under the Fair Debt Collection Practices Act ( FDCPA 809 ). This reinsertion was done without verifying the debt or confirming their right to collect it.

I believe this action is a direct violation of my consumer rights under the FCRA and FDCPA. This reinsertion is damaging my credit profile and impacting my ability to obtain financing.

I am requesting that the CFPB investigate this matter and compel the credit bureaus and the collection agency to : Provide full validation of the debt ( original creditor, itemized statement, proof of authority to collect ) Explain the reason and timing of reinsertion Remove the collection entry from my credit reports if it was added unlawfully or without proper notice. 


Ive attached any supporting documentation available, including prior reports showing the deletion, recent reports showing the reinsertion, and letters Ive sent.

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 2025-11-14 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: CA

Complaint narrative:
I noticed no my credit report XXXX inquires that I did not initiate. This is hurting my ability to get credit

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 2025-11-14 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Kriya Capital, LLC
State: GA

Complaint narrative:
XX/XX/2025 CREDENCE RESOURSE MANAGEMENT XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, TX. XXXX XXXX ( XXXX ) XXXX TO WHOM IT MAY CONCERN, This notice is to inform you that you unlawfully reported an UNAUTHORIZED ACCOUNT on my CONSUMER report. I have not given you written permission to put anything on my credit profile. You have no permissible purpose by law to contact third parties with my private or personal information 15 U. S. Code 6802 ( b ) -Obligation With Respect To Disclosures Of Persona Information. A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless such financial institution clearly and conspicuously discloses to the CONSUMER, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; the CONSUMER is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and the CONSUMER is given an explanation of how the CONSUMER can exercise that nondisclosure option. Your offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C 1028A. You have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability. 

I am writing this letter to DISPUTE the following ACCOUNT : CREDENCE RESOURSE MANAGEMENT, ACCOUNT NUMBER : XXXX, BALANCE : {$92.00}... 
This agency is in violation of the 15 USC 1692g. They were to notify me of this in writing 5 days prior, I was not. As the original creditor only, I can validate this debt. I do not validate this debt. As my right to Privacy and Consent 15 U. S. Code 1681 ( a ) ( 4 ) There is a need to insure that CONSUMER reporting agencies exercise their grave responsibility with fairness, impartiality, and a respect for the CONSUMERS right to privacy. Therefore, the following ACCOUNT : CREDENCE RESOURSE MANAGEMENT, ACCOUNT NUMBER : XXXX, BALANCE : {$92.00} must be DELETED from my CONSUMER credit report IMMEDIATLY... 

I DEMAND the following ACCOUNT : CREDENCE RESOURSE MANAGEMENT, ACCOUNT NUMBER : XXXX, BALANCE : {$92.00} be DELETED COMPLETLY off my CONSUMER credit report IMMEDIATLY.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: U.S. Equity Advantage Holdings, Inc.
State: PA

Complaint narrative:
I have went to XXXX XXXX XXXX on XX/XX/year> for a vehicle. At the time, I have a open Bankruptcy ( XXXX  XXXX ), and the dealership informed me that they could assist me in getting a vehicle. After going through the entire process of the financing process, I was able to get a vehicle. As I was under stress of getting a vehicle since I had to surrender the previous vehicle I had during Bankruptcy, I was left with very little options. During the signing process, I feel that I was pressured to sign through the documents, not giving me much time to view the documentation. Once I gotten the vehicle, there were issues with the Financial lender that was selected, XXXX XXXX XXXX, and after several days, I was suddenly " approved. '' From there, I was able to drive the vehicle without worry. After receiving an update on my due date from XXXX XXXX XXXX, I also got this strange charge from a company named AutoPayPlus, and I was unsure on who this company was. I submitted a report to my financial institution and reported this organization. 

After viewing documentation from my vehicle purchase, I began to thoroughly view this document, that was from this organization named AutoPayPlus. From what I read, it appears that I am being double charged by this company, and then XXXX XXXX XXXX as well - who is the original lender. I did request from AutoPayPlus to cease attempts to access my banking information, and had my banking information changed to avoid any issues, as I have NOT authorized this company to do any transactions on top of the payments I am making to my Loan with Consumer Portfolio Services. I am requesting an investigation be launched against practices of XXXX XXXX XXXX and AutoPayPlus, as I feel that they did not treat me with fair practice, and rushed me to doing a deal that I did not have the opportunity to understand.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-14 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: MI

Complaint narrative:
I monitor my credit report closely because maintaining my credit standing is extremely important to me, yet I keep encountering multiple inaccurate and false accounts that should not be there. This has been an ongoing problem, and despite repeatedly addressing it, nothing has been corrected. The constant presence of these errors is exhausting, stressful, and has been unfairly harming both my life and my credit score.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: MOUNTAIN AMERICA FEDERAL CREDIT UNION
State: UT

Complaint narrative:
On XX/XX/XXXX, I logged into my bank account at Mountain America Credit Union to fill out a XXXX sheet form for our budget. I noticed that my credit card account was showing an unusual balance that was close to the credit limit that was placed on the card. I have never gotten that close to that limit, which caused my suspicion to immediately spike. Upon looking into the account, I noticed that earlier that same day there was a transaction titled XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX totaling {$7500.00}. '' Looking into the security tab, I noticed a new IP address had accessed my account that was located in California, XXXX states from where I live. The IP address showed an area of where the owner would be located. 

Immediately I called the bank to report it and they said that the transactions were still pending on their end so there was nothing they could do yet. It looked like it had gone through on my end, but I trusted them. That following Monday, the XXXX, I went into the credit union to get an update and the teller said that the transactions had gone through on their end, but not necessarily on XXXX XXXX 's end. The teller said that they were looking into it and that it was quite possibly a numbers error because it was a balance transfer which is more complicated than I was originally thinking. 

I also attempted to dispute online through my bank 's portal but the transaction was not showing to be able to dispute. Thus, I called the bank to submit a claim. 

I called Mountain America Credit Union XX/XX/XXXX, XXXX, XXXX, XX/XX/XXXX, XXXX, and XXXX as shown in the document. I do not know why the affidavit of fraud the bank sent me says I reported it on XX/XX/XXXX. 

On the note of fraud, on XX/XX/XXXX, my XXXX XXXX account had also received an unauthorized charge from someone ordering a laptop to be delivered to a location in the same area as the IP Address showing in California. XXXX has resolved that charge for me. 

Through multiple calls the following week to my bank, I was told that by XX/XX/XXXX, I could receive a credit reimbursement. During this week, I also put a credit freeze on me through XXXX XXXX XXXX XXXX As well, I changed my phone number and got brand new credit and debit cards. 

On XX/XX/XXXX, I opened a letter from my bank with hopes. Only to be devasted when I am told that the claim was denied due to the transaction being authorized. When I called the fraud team for my bank, I was told that the transaction was done using information that lead them to say that it was me and not from the foreign IP address on my account. 

I am no longer able to access my old account since it is frozen, so I can not send you the IP address. I am sure the bank has access to it though since they investigated.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-11-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I, 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 XXXX  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 Number 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 non-monetary relief
Consumer complaint received 2025-11-14 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I am submitting this complaint to the Consumer Financial Protection Bureau regarding Experians ongoing and repeated failure to accurately report my credit information under my legal name. I first notified Experian in XXXX that they were reporting my credit history under outdated and incorrect personal information. At that time, I provided Experian with proper legal documentation, including my court-ordered name change, and formally requested that all credit accounts associated with my Social Security number be reported under my correct legal name only. Despite this, Experian continued to maintain and report my credit information in multiple identity variations, resulting in fragmented files, score suppression, financial harm, verification issues, and ongoing emotional distress. My XXXX written complaint detailed that Experian was reporting multiple credit files under my Social Security number, yet Experian failed to take the corrective actions I requested. 

For the past XXXX years, I have made repeated attempts to have my file corrected, but Experian has consistently ignored or mishandled these requests. As a result of Experians negligence, I continue to experience financial barriers, misreporting, and the harmful effects of inaccurate identification being tied to my credit history. On XX/XX/XXXX, I contacted Experian again and requested that they fully correct my file, merge all data into XXXX accurate credit report under my legal name, and remove all outdated identifying information. Experian opened Case # XXXX. However, the next day, XX/XX/XXXX, they prematurely closed the case without conducting a thorough investigation. Their one-day investigation and refusal to make required corrections demonstrates a repeated pattern of failing to reinvestigate disputes in good faith, violating the Fair Credit Reporting Act ( FCRA ). On XX/XX/XXXX, I sent a follow-up written demand explaining the continuing harm and reiterating that Experian must correct their reporting. Despite this, Experian still has not made the legally required corrections. 

Experians actions violate multiple sections of the FCRA, including the obligation to maintain maximum possible accuracy, the duty to conduct timely and meaningful reinvestigations, and the requirement to correct inaccurate information. Experian has had all necessary legal documentation since XXXX but has continued to mishandle my credit file for more than XXXX years, creating emotional, financial, and personal harm. Their continued failure to correct my information is discriminatory, negligent, and damaging.

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 2025-11-14 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: LA

Complaint narrative:
After checking my credit report i noticed the accounts listed below should not be reporting on my credit report these accounts should be removed Immediately as they are harming my file.

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 2025-11-14 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: EQUIFAX, INC.
State: OH

Complaint narrative:
My car was broken into and my personal items were stolen, my identity was compromised, remove fraudulent items from my credit report ASAP XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-14 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: EdFinancial Services
State: IL

Complaint narrative:
we paid the full amount the beginning of the year, they said they didnt receive the payment so we voided the check and sent another one. after that the calling stopped. i kept receiving a email saying XXXX $ needed to be paid when we already paid the full amount which was XXXX dollars. today, XX/XX/year> i received a check on my credit score which was XXXX dropped to XXXX because of this dispute. we already paid in full. all charges should have been dropped. the amount accrued now is XXXX XXXX dollars and some change. nothing has been recieved in the mail, nor a voicemail. all of this should have been handled. i had an email a while ago saying they sent it over to XXXX XXXX XXXX claims. no one has contacted but my credit score has been effected. in the picture below it states in fine print no action is required if enrolled in automatic payments i enrolled in automatic payments. after that i cancelled it because we paid in full, they never took anything out of my bank account after that because there was no need and they had my info if we hadnt sent the check, but we did.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-14 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: OH

Complaint narrative:
My name is XXXX XXXX, and I am writing this statement to provide essential context regarding the fraudulent activity appearing on my credit and consumer reports. This activity is not simply a financial oversight ; it is a direct consequence of identity theft resulting from the large-scale data breach at Equifax responsible for the breach.This consumer credit reporting agency. 
The impact of this security failure has not only caused significant financial injury but has fundamentally derailed my ability to pursue basic life goals, making it exceptionally difficult to move forward. 
The fraudulent accounts, inquiries, and collections placed on my record due to this identity theft have created a devastating cycle of failure in my attempts to establish stability.I have been denied rental applications and mortgage pre-approvals on separate occasions over the last years. Landlords and lenders cite the severe derogatory marks on my consumer report, specifically pointing to the fraudulent accounts like XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXXXXXX XXXX XXXXXXXX I am currently forced to live with family the inability to secure stable, long-term housing due to errors that are not mine is a constant, suffocating stressor.The required background and credit checks for positions such as DSP for XXXX XXXX XXXX in job offers being rescinded or applications being rejected. My professional advancement has been stagnated, purely because my consumer report suggests a level of financial instability that is entirely fabricated by criminal activity.Beyond the financial damages, the time and emotional energy spent fighting this fraud has been overwhelming. I have spent approximately hours over the last XXXX months.This ongoing administrative burden has severely impacted my mental health and my ability to focus on work and personal well-being. I feel perpetually stuck, exhausting all my resources just to prove who I am not, rather than being able to focus on my future. 
I urge you to consider the profound personal distress and hardship caused by the negligent handling of my data. This is not a clerical error ; this is an issue of identity fraud that has imposed a near-impossible barrier to me leading a stable, independent life. 
I demand swift and comprehensive action to fully resolve these fraudulent entries, consistent with the requirements of the Fair Credit Reporting Act ( FCRA ). 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation