vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-18 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: Kriya Capital, LLC
State: IL

Complaint narrative:
To Whom It May Concern, I recently reviewed my credit reports and was shocked to find a collection account from Credence RM, for what is purported to be a Xfinity debt. I am formally disputing this collection, as I do not recognize the debt and have no recollection of ever having this account. Furthermore, I have never received any communicationwhether by phone, text, email, or mailregarding this alleged debt. The lack of prior notification has raised significant concerns regarding the validity and accuracy of this account. Due to this erroneous reporting, I have encountered difficulties securing credit, which is now directly impacting my ability to obtain a home loan. Under the Fair Credit Reporting Act ( FCRA ), I am requesting that you immediately remove this collection from all credit reporting agencies and cease any further collection efforts regarding this disputed debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I have been a Bank of America customer since XXXX i was enrolled in Privacy Assist when i opened my accounts. i have not been able to log in to my account, or receive any help closing my account. i am still being charged for this service. when i have called in the past, i have been put on never ending hold or the call was dropped.

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 2025-03-18 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: NJ

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-18 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:
I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 
ACCOUNTS : XXXX XXXXXXXX - XXXX - XX/XX/XXXX - {$00.00} XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$00.00} XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$00.00} XXXX XXXX  XXXX - XX/XX/XXXX - {$960.00} XXXX XXXX - XXXX - XX/XX/XXXX - {$00.00} INQUIRIES : XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX 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 non-monetary relief
Consumer complaint received 2025-03-18 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: GA

Complaint narrative:
This serves as your FINAL NOTICE regarding the inaccurate and misleading information that continues to persist in my credit profile, despite previous disputes and requests for verification. You are now in direct violation of both the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ).

Under 15 U.S. Code 1681n ( Civil Liability for Willful Noncompliance ), 15 U.S. Code 1681o ( Civil Liability for Negligent Noncompliance ), and 15 U.S. Code 1692k ( Civil Liability for Violation of Debt Collection Practices ), your ongoing failure to provide accurate and verifiable data, and your negligence in updating my credit report, exposes you to legal liabilities. 

Disputed Information Must Be Resolved : You are reporting items that violate FCRA and FDCPA requirements. Under the law, you have failed to : Maintain procedures that ensure the maximum possible accuracy of my credit report.

Provide written results of your reinvestigation within the 30-day timeframe required by FCRA 15 U.S.C. 1681i ( 6 ).

Properly correct billing errors as per TILA, 15 U.S. Code 1666 ( b ). Late payments marked inaccurately must be updated to reflect " paid on time. '' Accounts highlighted in green represent inaccurate payment history and must be
corrected immediately. Accounts marked in yellow as charge-offs violate FDCPA Section 807 due to false and misleading reporting. These, along with any incorrect personal information, must be deleted immediately from my credit profile.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-18 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: VA

Complaint narrative:
I dont have any business with this company I have received n alert in my ferry report gif RESURGENT and as allowable under the Fair Debt Collections Practices Act, I am requesting validation of the alleged debt.

Furthermore, I am allowed under the FCRA law to protect my privacy from third parties. I do not recall giving permission to XXXX for them to release my personal information to a third party. My personal information can only be revealed with my authorization ; therefore, my request is twofold and as follows : Validation of Debt and HIPPA Authorization 1. I am requesting that the business associate provide debt validation for account in question above. Please provide that validation in the form of agreement, original bill, and a detailed statement of charges.

2. Please provide a breakdown of fees, including any collection costs, if any.

3. Please provide a copy of my signature with the original creditor to release my personal information to you.

4. Please provide a report of comparative analysis between the dubious signature and the signature recognized by the alleged signer, if any.

5. Cease any credit bureau reporting until the debt has been validated by me.

6. Please provide me with a verified certificate if authority, and proof that your company is license to collect debt in my state. Kindly provide me with a license number and registered agent and service.

7. Finally, please provide an affidavit signed under penalty of perjury that your organization has violated any portion of the FCRA and FDCPA.

Please send this information to my address listed above and accept this letter, sent certified mail, as my normal debt validation request, of which I am allowed under the FDCPA.

Please note that by withholding the information you take full responsibility of my complaint will be a violation of the FDCPA because you will be deceiving me after my written request. I am requesting full documentation of what you received from the creditor of service and connection with this alleged debt.

Furthermore, any reporting of this debt to the credit bureaus prior to allowing me to validate it may be a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agent.

I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX, I presume that no proof of the alleged debt, in fact therefore exist. 
I await your reply with the above requested proof.

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 2025-03-18 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: MD

Complaint narrative:
I submitted a dispute to you regarding multiple inaccuracies on my credit report, including incorrect personal information ( name, addresses ) and multiple inaccurate account entries. Despite providing supporting documents, such as my driver 's license, proof of address, and social security card, you have failed to correct these errors. These inaccuracies impact my credit standing and violate the Fair Credit Reporting Act ( FCRA ), which requires credit bureaus to ensure maximum possible accuracy. Additionally, some of these accounts may involve debts that should have been reported differently under 1099-C tax laws. I formally requested verification and removal of these items, but you have not taken appropriate action.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-18 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: IL

Complaint narrative:
PLEASE REMOVE ALL ACCOUNTS! AS PER THE GUIDANCE FROM CFPB THE DOCUMENT NEEDED AS A LETTER FROM THE ADVOCACY GROUP HELPING ME DUE TO HUMAN TRAFFICKING-DEBT FINAL RULE 1002.142 ( B ) ( 4 ) -5-1002.142 ( B ) ( 7 ), I KINDLY REQUEST THAT YOU BLOCK ALL INFORMATION FROM MY CREDIT REPORT WITHIN 4 BUSINESS DAYS, PURSUANT TO SECTION 605C OF THE FAIR CREDIT REPORTING ACT. I AM A VICTIM OF HUMAN TRAFFICKING OF DEBT BONDAGE AND WOULD LIKE FOR ALL LISTED ACCOUNTS TO BE BLOCKED AND DELETED FROM CREDIT REPORT! PLEASE DELETE THE FOLLOWING ACCOUNTS XXXX {$34000.00} XXXX XXXX {$0.00} XXXX  XXXX {$550.00} XXXX XXXX {$20000.00} XXXX {$0.00} XXXX XXXX  {$1300.00} XXXX XXXX {$0.00} XXXX {$1200.00} XXXX XXXX {$1300.00}, XXXX XXXX {$1400.00}, XXXX XXXX {$1100.00}, XXXX {$1400.00}XXXX XXXX XXXX {$1300.00}, XXXX XXXX {$1200.00}, XXXX XXXX XXXX$0.00}

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 2025-03-18 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Aldous & Associates, PLLC
State: NY

Complaint narrative:
I am submitting a complaint aganist Aldous & Associates failure to comply with the Fair Credit Reporting Act ( FCRA ) in relation to the collection account they reported on my consumer credit report. I recently discovered that Aldous & Associates had reported a collection account on my consumer report without first sending me the legally required written notice as mandated by the FCRA. In my initial complaint to the CFPB, I asserted that Aldous & Associates never provided me with a notice before reporting the account, thus violating my rights under the FCRA. The response I received from Aldous & Associates to this complaint claimed they sent me a notice on XX/XX/year>, but they failed to provide any certified mail tracking receipt or any verifiable proof to substantiate that the notice was actually sent to my mailing address. Without such proof, I contend that their reporting of this collection account was done in violation of the FCRA.According to the Fair Credit Reporting Act ( FCRA ), a debt collector must provide a consumer with a written notice of the debt before reporting it to the credit bureaus. In my complaint to the CFPB, I stated that I had never received such notice prior to the collection account being reported to my consumer report.Aldous & Associates responded to my complaint, claiming that they had sent me a notice on XX/XX/year>. However, they failed to provide any certified mail tracking receipt to substantiate their claim that the notice was actually sent to my mailing address. Instead, they merely stated that they had sent proof of the debt and that the balance was valid and owing, which does not address my concern regarding the failure to properly notify me as required by law. Under FCRA Section 809 ( a ) ( 15 U.S.C. 1692g ( a ) ), a debt collector is required to send a notice of the debt, and if such notice is sent by mail, the collector must prove that the notice was actually delivered to the consumer. A certified mail tracking receipt is the only valid form of proof that would demonstrate the notice was mailed and delivered to my correct mailing address. As Aldous & Associates has failed to provide such proof, it is my assertion that no notice was sent to me prior to the trade line being reported to my consumer report.The lack of proof of notice violates this right, as I was never given an opportunity to respond to the debt before it was reported on my credit file. Without the certified mail tracking receipt, there is no evidence that Aldous & Associates met the lawful requirements outlined in the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-18 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: Kikoff Inc.
State: VA

Complaint narrative:
I filed a XXXX  in XXXX  to relinquish myself from the responsibility of accounts that were reporting negative information. XXXX will not remove those accounts. This information on the report is keeping me from acquiring housing.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-18 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: VA

Complaint narrative:
I filed a bankruptcy in 2023 to relinquish myself from the responsibility of accounts that were reporting negative information. Experian will not remove those accounts. This information on the report is keeping me from acquiring housing.

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 2025-03-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
ON ALL THREE OF THE CREDIT REPORTING AGENCIES, EXPERIAN, TRANSUNION & EQUIFAX THEIR IS INACCURATE PERSONAL INFORMATION INCLUDING MY NAME WHICH HAVE DIFFERENT ALIAS. AND MY ADDRESS WHICH IS LISTED AS MY FORMER ADDRESSES WITH MY CURRENT ADDRESS. IN PURSUANT TO TITLE 15 USC 1681e ( b ) & 15 USC 1681s-2 ( a ) MY PERSONAL INFORMATION IS REQUIRED TO BE ACCURATE. INACCURATE PERSONAL INFORMATION ON MY CREDIT REPORT HAS HARM MY FINANCIAL AND EMOTIONAL STANDING.

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 2025-03-18 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: NY

Complaint narrative:
ON ALL THREE OF THE CREDIT REPORTING AGENCIES, EXPERIAN, TRANSUNION & EQUIFAX THEIR IS INACCURATE PERSONAL INFORMATION INCLUDING MY NAME WHICH HAVE DIFFERENT ALIAS. AND MY ADDRESS WHICH IS LISTED AS MY FORMER ADDRESSES WITH MY CURRENT ADDRESS. IN PURSUANT TO TITLE 15 USC 1681e ( b ) & 15 USC 1681s-2 ( a ) MY PERSONAL INFORMATION IS REQUIRED TO BE ACCURATE. INACCURATE PERSONAL INFORMATION ON MY CREDIT REPORT HAS HARM MY FINANCIAL AND EMOTIONAL STANDING.

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 2025-03-18 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: VA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( XXXX  ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-03-18 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: VA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( XXXX  ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-18 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: NY

Complaint narrative:
I am disputing the accuracy of the payment history being reported for my accounts. Specifically : XXXX. XXXX XXXX The report incorrectly states that I have 8 missed payments. My payments have been on time, and these missed payments should not be reported. 


XXXX. XXXX  XXXX ( Account XXXX ) The report incorrectly states that I have 7 missed payments. This is inaccurate, as my payments have been on time. 


XXXX. XXXX XXXX This account is marked as " Currently Late, '' but it is actually closed and should not be reported as late. Additionally, the XXXX missed payments are inaccurate. 


XXXX. XXXX  XXXX ( Account XXXX ) This account is marked as " Currently Late, '' but it is actually closed and should not be reported as late. The 6 missed payments listed are also incorrect. 


XXXX. XXXX This account is closed and settled. It should not be showing missed payments or an active status. 


XXXX. XXXX XXXX This account is marked as " Currently Late, '' but it is actually closed and should not be reported as late. The 3 missed payments listed are inaccurate. 


XXXX. XXXX XXXX  The report states I have 2 missed payments, but this account is currently on-time, and no late payments should be reported. 



Please correct these inaccuracies immediately to reflect the correct status of my 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 non-monetary relief
Consumer complaint received 2025-03-18 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: SC

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached 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 2025-03-18 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: TN

Complaint narrative:
" I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing. 
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. ''

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 2025-03-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain 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