vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-18 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Kriya Capital, LLC
State: OH

Complaint narrative:
XXXX billed me for service I could not use wifi didn't connect.so i returned the box.XXXX  is XXXX old.it shouldn't be on my report still

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-18 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:
Good day, I am submitting a complaint to inform you that I have fallen victim to identity theft. Following the guidelines outlined in the Fair Credit Reporting Act ( FCRA ) Section 605b, I have reported the incident to the Federal Trade Commission ( FTC ) through their website at XXXX : XXXX. According to the FCRA, Credit Reporting Agencies are mandated to investigate any items listed on an identity theft report. Please refer to the attached documents, which will assist in the investigation of the erroneous information currently being posted on my credit report. The following items do not belong to me or were opened without my permission. As per FCRA Section 605B ( a ), Credit Reporting Agencies are required to investigate any information in the consumer 's file that the consumer identifies as resulting from alleged identity theft, not later than 4 business days after the date of receipt. 
XXXX XXXX XXXX XXXX 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 XXXXXXXX Balance : {$950.00} XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXXXXXX XXXX XXXX Balance : - XXXX XXXX XXXX ( Original Creditor : XXXX BANK ) XXXX Balance : {$1500.00} XXXX XXXX XXXX ( Original Creditor : XXXX BANK ) XXXX Balance : {$1100.00} XXXX  XX/XX/XXXX XXXX  XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-18 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:
Good day, I am submitting a complaint to inform you that I have fallen victim to identity theft. Following the guidelines outlined in the Fair Credit Reporting Act ( FCRA ) Section 605b, I have reported the incident to the Federal Trade Commission ( FTC ) through their website at XXXX : XXXX. According to the FCRA, Credit Reporting Agencies are mandated to investigate any items listed on an identity theft report. Please refer to the attached documents, which will assist in the investigation of the erroneous information currently being posted on my credit report. The following items do not belong to me or were opened without my permission. As per FCRA Section 605B ( a ), Credit Reporting Agencies are required to investigate any information in the consumer 's file that the consumer identifies as resulting from alleged identity theft, not later than 4 business days after the date of receipt. 
XXXX XXXX XXXX XXXX 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 XXXXXXXX Balance : {$950.00} XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXXXXXX XXXX XXXX Balance : - XXXX XXXX XXXX ( Original Creditor : XXXX BANK ) XXXX Balance : {$1500.00} XXXX XXXX XXXX ( Original Creditor : XXXX BANK ) XXXX Balance : {$1100.00} XXXX  XX/XX/XXXX XXXX  XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-09-18 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: Levy & Associates, LLC
State: SC

Complaint narrative:
Between XXXX and XX/XX/year>, over {$3400.00} was unlawfully garnished from my wages and disbursed to Levy & Associates on behalf of XXXX XXXX XXXX. The total judgment claimed is over {$8500.00}, but I was never properly served and the XXXX court has no jurisdiction over me as a XXXX XXXX resident. 

Despite filing a Motion to Stay Garnishment and raising these issues, XXXX XXXX XXXX XXXX allowed the garnishment and disbursed funds to the collector. This constitutes an unlawful collection action across state lines. 

Also wage garnishment in XXXX XXXX  for consumer loans is unlawful

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-18 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: NY

Complaint narrative:
I am submitting this follow-up complaint regarding inaccurate late payment reporting on my credit file. Despite my prior disputes, the account below continues to reflect an incorrect delinquency : XXXX XXXX No. : XXXX Opened : XX/XX/XXXX Balance : $ XXXXPayment Status Reported : Current, was past due 30 days ( XX/XX/XXXX ) The XX/XX/XXXX XXXX late payment is inaccurate and unverifiable. I maintain that all payments were made on time.Reporting an account as Current while also indicating was past due 30 days is contradictory and misleading.This failure to report accurately violates : FCRA 607 ( b ) ( 15 U.S.C. 1681e ( b ) ) requiring maximum possible accuracy.FCRA 623 ( a ) ( 1 ) ( A ) ( 15 U.S.C. 1681s-2 ) prohibiting furnishers from reporting inaccurate or misleading information.FCRA 611 ( 15 U.S.C. 1681i ) requiring a proper reinvestigation when disputes are submitted.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-18 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: NY

Complaint narrative:
I am submitting this follow-up complaint regarding inaccurate late payment reporting on my credit file. Despite my prior disputes, the account below continues to reflect an incorrect delinquency : XXXX XXXX No. : XXXX Opened : XX/XX/XXXX Balance : $ XXXXPayment Status Reported : Current, was past due 30 days ( XX/XX/XXXX ) The XX/XX/XXXX XXXX late payment is inaccurate and unverifiable. I maintain that all payments were made on time.Reporting an account as Current while also indicating was past due 30 days is contradictory and misleading.This failure to report accurately violates : FCRA 607 ( b ) ( 15 U.S.C. 1681e ( b ) ) requiring maximum possible accuracy.FCRA 623 ( a ) ( 1 ) ( A ) ( 15 U.S.C. 1681s-2 ) prohibiting furnishers from reporting inaccurate or misleading information.FCRA 611 ( 15 U.S.C. 1681i ) requiring a proper reinvestigation when disputes are submitted.

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 2025-09-18 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 discovered incorrect accounts on my credit report, and I have no idea how they got there. I regularly check my report, but this time, unexpected discrepancies appeared. I even tried refreshing my browser, thinking it might be a glitch, but the errors remained. Since this issue persists, I request a thorough review of the documents Ive submitted so that I wont have to worry about this problem again.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-18 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: MI

Complaint narrative:
XXXX XXXX XXXX is reporting contradictory late payment history on my account ( # XXXX ). For example, XX/XX/year> was first shown as Paid as Agreed then later as XXXX  Days Late, and XX/XX/year> has been switched multiple times between Paid as Agreed and XXXX Days Late. This flip-flopping violates XXXX XXXX reporting standards and the FCRA because it is inaccurate, inconsistent, and unverifiable. I request that these late payments be permanently deleted from my credit reports.

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 2025-09-18 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:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND XXXX EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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 2025-09-18 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
The information in my public records has old addresses that dont exist anymore. My public records needs to be updated

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 2025-09-18 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I am formally requesting the removal of this inaccurate account from my credit report, as I did not authorize or consent to its creation.

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 2025-09-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I did not authorize the use of my identity in any manner related to the inaccurate accounts or activities that have appeared in my name. My information was verified as part of the XXXX  and XXXX  data breaches, which exposed sensitive personal data to unauthorized parties. 

FRAUDULENT ACCOUNTS : Account Name : XXXXXXXX XXXX XXXX XXXX XXXX - Date Opened XX/XX/XXXX - Balance {$520.00} Account Name : XXXX # XXXX - Date Opened XX/XX/XXXX - Balance {$980.00} Account Name : XXXX  # XXXX - Date Opened XX/XX/XXXX - Balance {$980.00} Account Name : XXXX # XXXX - Date Opened XX/XX/XXXX - Balance {$1900.00} Account Name : XXXX XXXX # XXXX - Date Opened XX/XX/XXXX - Balance {$7000.00} Account Name : XXXX XXXX XXXX # XXXX - Date Opened XX/XX/XXXX - Balance {$830.00} Account Name : XXXX XXXX XXXX  # XXXX - Date Opened XX/XX/XXXX - Balance {$10000.00} UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-18 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: NC

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 2025-09-18 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:
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 2025-09-18 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 am filing this complaint regarding the inaccurate reporting of a CBNA account ( Account No : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) .The account reflects a XXXX late payment in XX/XX/XXXX ( XX/XX/XXXX ) .However, the account shows a {$0.00} balance, meaning there is no outstanding obligation.Reporting a late payment on a {$0.00} balance account is inaccurate, misleading, and harmful to my credit profile. It falsely suggests delinquency when no payment was due. 
his reporting is damaging to my credit standing and is a direct violation of the Fair Credit Reporting Act ( FCRA ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-18 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: GA

Complaint narrative:
I am filing this complaint regarding the inaccurate reporting of a CBNA account ( Account No : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) .The account reflects a XXXX late payment in XX/XX/XXXX ( XX/XX/XXXX ) .However, the account shows a {$0.00} balance, meaning there is no outstanding obligation.Reporting a late payment on a {$0.00} balance account is inaccurate, misleading, and harmful to my credit profile. It falsely suggests delinquency when no payment was due. 
his reporting is damaging to my credit standing and is a direct violation of the Fair Credit Reporting Act ( 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 2025-09-18 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: FL

Complaint narrative:
TransUnion has repeatedly violated the Fair Credit Reporting Act ( FCRA ) by reporting inaccurate accounts and unauthorized inquiry on my credit report, despite multiple complaints and disputes. Under 15 U.S.C. 1681s-2 ( a ) ( 1 ), furnishers must ensure accuracy, yet errors persist. Additionally, 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) requires a reasonable investigation of disputes, which TransUnion has failed to conduct. Their continued noncompliance has caused financial harm, and I request immediate corrective action.

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 2025-09-18 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: GA

Complaint narrative:
I am filing this complaint regarding several inaccuracies and violations of my consumer rights under the Fair Credit Reporting Act ( FCRA ). 
Late Close AccountXXXX XXXX  XXXX Balance : {$0.00} This account is being reported with a late payment history even though the balance is {$0.00} and the account is closed. Reporting late payments on a {$0.00} closed account is inaccurate and misleading. 
Charge-Off AccountXXXX XXXX Balance : {$0.00} * This account is being reported as a charge-off with a {$0.00} balance. A charge-off with no outstanding balance is contradictory, inaccurate, and creates a negative impact on my credit file.Inaccurate and Excessive InquiriesSeveral inquiries have been placed on my file that I did not authorize or that were improperly coded as hard inquiries. Many appear duplicative and are damaging my credit standing. These include but are not limited to : XXXX XXXX XXXXXXXX ( XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX  EQUIFAX ( XX/XX/XXXX ) XXXX ( XX/XX/XXXX, XX/XX/XXXX ) XXXX ( XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX  EQUIFAX XXXX ( XX/XX/XXXX ) These inquiries have not all been authorized by me, and many appear redundant or excessive. Their presence unfairly lowers my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-18 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: GA

Complaint narrative:
I am filing this complaint regarding several inaccuracies and violations of my consumer rights under the Fair Credit Reporting Act ( FCRA ). 
Late Close AccountXXXX XXXX  XXXX Balance : {$0.00} This account is being reported with a late payment history even though the balance is {$0.00} and the account is closed. Reporting late payments on a {$0.00} closed account is inaccurate and misleading. 
Charge-Off AccountXXXX XXXX Balance : {$0.00} * This account is being reported as a charge-off with a {$0.00} balance. A charge-off with no outstanding balance is contradictory, inaccurate, and creates a negative impact on my credit file.Inaccurate and Excessive InquiriesSeveral inquiries have been placed on my file that I did not authorize or that were improperly coded as hard inquiries. Many appear duplicative and are damaging my credit standing. These include but are not limited to : XXXX XXXX XXXXXXXX ( XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX  EQUIFAX ( XX/XX/XXXX ) XXXX ( XX/XX/XXXX, XX/XX/XXXX ) XXXX ( XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX  EQUIFAX XXXX ( XX/XX/XXXX ) These inquiries have not all been authorized by me, and many appear redundant or excessive. Their presence unfairly lowers my credit score.

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