vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-08 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: CA

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

1681c-2 ) that you, the Experian Credit Services , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXXXXXX, CA XXXX ACCOUNTS : XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$590.00} XXXX/XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$3200.00} XXXX XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$1200.00} XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$490.00} XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$420.00} XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$720.00} XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$390.00} XXXX - Account Number XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX, Balance : {$750.00} XXXX XXXX  - Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$1200.00} XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX, Balance : {$0.00} BANKRUPTCY - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} INQUIRIES : XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX  Date : XX/XX/XXXXXXXX XXXX XXXX XXXX  Date : XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-08 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:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within four business days of receipt.

The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : ACCOUNTS : XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} INQUIRIES : XXXXXXXX XXXX Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX  Date : XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-08 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:
I recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld. I demand that the accounts, inquiries and personal information should be removed because creditors are not taking further compliance with my request in line with the FCRA. Failure to comply with these demands will result in further action to protect my rights and hold the creditors accountable for their egregious actions. Please see the attached file for what I am complaining about! ( list all accounts, inquiries and Pi that you couldn't put on the FTc report ). Please see 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 2025-08-08 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: EQUIFAX, INC.
State: LA

Complaint narrative:
After reviewing my credit report, I have found an unauthorized hard inquiry. I have not given permission for this action, and I maintain strict control over my credit-related activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-08 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: TX

Complaint narrative:
This is a fraudulent XXXX XXXX  account appearing on my Experian and TransUnion reports. I have submitted an FTC Identity Theft Report and supporting documentation, yet the account continues to be verified with conflicting and inaccurate data between CRAs. 

Key Discrepancies : Date Closed : Experian XX/XX/XXXX | TransUnion XX/XX/XXXX Balance/Past Due : Experian {$0.00} past due | TransUnion {$1200.00} past due Payment History : Experian reports late payments into XXXX ; TransUnion shows none. 

Re-Aging : Experian continues Charged Off updates monthly in XXXX despite closure in XXXX. 

Date of Last Activity : Experian XX/XX/XXXX ( impossible if closed in XXXX ). 

Violations : FCRA 623 ( a ) ( 1 ) ( A ) Reporting inaccurate information FCRA 623 ( a ) ( 5 ) Incorrect Date of First Delinquency FCRA 611 ( a ) ( 5 ) ( B ) Reinserted data without notice Non-compliance with XXXX XXXX reporting standards

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 2025-08-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: DE

Complaint narrative:
I have contacted Experian on multiple occasions and many times regarding incorrect and inaccurate information reported on my Credit Report. Experian has and is continuing to ignore correct, accurate, and reported information of accounts payments and statuses from creditors only to input and change the information currently on my Credit Report to Negative impacts due to my challenging and inquiring about inaccuracies and incorrect information on information submitted ONLY by Experian. Experian is being Unethical in their responses to inquiries about erroneous information on my Credit Report as my name, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Active Balance on any accounts, XXXX XXXX XXXX XXXX XXXX, Paid Off and XXXX balance with XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX as Written Off with a current balance, etc. Experian has about XXXX inaccurate and incorrect names on my Credit Report not submitted by Creditors as XXXX XXXX and XXXX XXXX XXXX which I never used on any Official documentation nor in any Official capacity!

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 2025-08-08 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: EQUIFAX, INC.
State: MI

Complaint narrative:
I am writing to express my deep concern regarding the unavailability of my credit data from your bureau. As a diligent consumer who consistently monitors their credit profile, I am troubled by the recent discovery that vital information seems to be missing from your records. Despite being proactive in managing my finances and ensuring timely payments on all accounts, I have encountered significant hurdles due to the absence of my credit data from your bureau. This has not only caused inconvenience but has also put me in a precarious position, especially concerning recent financial transactions and loan applications. I have made numerous attempts to address this issue through your customer service channels, but regrettably, the resolution process has been slow and ineffective. As a result, I find myself facing unnecessary challenges in accessing essential financial services and opportunities.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-08 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: TX

Complaint narrative:
Credence Resource Management is reporting an unverified and inaccurate debt to the credit bureaus in violation of the FDCPA and FCRA. I sent a formal debt validation request via certified mail. They responded only with an itemized balance breakdown and did not provide : Proof of ownership or legal authorization to collect A signed contract or agreement Accurate identification Any valid documentation correcting the date opened field or supporting the current reporting timeline Instead of properly validating the debt, they sent a second copy of the same itemized statementno new evidence, no legal documentation, and no legitimate justification for continuing to report this account. 

Even worse, their reporting timeline doesnt make sense and clearly reflects negligence or willful misreporting : They claim the account was opened on XX/XX/XXXX Yet they didnt start reporting the collection until XXXX XXXX XXXX month delay, which is not standard practice In XXXX  payment history section, they show Collection as of XX/XX/XXXX to XXXX XXXX is chronologically backwards Even if that were a typo and they meant XX/XX/XXXX, it still conflicts with their reported open date of XX/XX/XXXX The itemized breakdown Credence provided references the original debt as beginning in XX/XX/XXXX and ending XXXX XXXX of which matches the XXXX dates theyve reported to the credit bureaus Due to these inconsistencies, both XXXX XXXX XXXX have already removed this collection from my credit reports as of XX/XX/XXXX and XX/XX/XXXX, respectively. 

I sent a final notice letter to Credence Resource Management via fax and certified mail on XX/XX/XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-08 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: TX

Complaint narrative:
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX To Whom This May Concern, I have recently pulled my credit report and noticed that there is a collection listing from your agency.

I have never been notified of this collection action or that i owed the debt.

This letter is to inform you that i have the right to request a validation of this debt and your ability to collect this money from me. I ask that you prove that i am indeed the party who is contractually bout to pay off this debt or stop collection activity and remove it all together.

Please attach copies of the following documents : - Agreement that you have authority to collect on this alleged debt.

-Agreement that bears signature of the alleged debtor with promises to pay the original creditor.

-Complete payment history on this account, to prove that the amount you wish to collect is correct.

I hope your legal staff will agree that noncompliance with this request in serious legal trouble for your company.

Sincerely XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-08 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: MD

Complaint narrative:
I kindly request that you investigate this matter and correct or remove the inaccurate information from my credit report as required under the Fair Credit Reporting Act. Please inform me of the outcome of your investigation and provide an updated copy of my credit report once the necessary corrections have been made.

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 2025-08-08 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:
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 : INQUIRIES : XXXX XXXX XXXXXXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX ACCOUNTS : XXXX XXXX - Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$8300.00}

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 explanation
Consumer complaint received 2025-08-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am submitting this complaint on my own behalf. Upon reviewing my credit record, I discovered the presence of late payments. Despite sending them letters over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly request your assistance in resolving this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-08 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: MN

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Minnesota, XXXX XXXX XXXX Date : XXXX Consumer Financial Protection Bureau XXXX. XXXX XXXX XXXX, D.C. XXXX Subject : Dispute of Unauthorized Hard Inquiries on Credit Report Dear Consumer Financial Protection Bureau, I am writing to formally file a complaint and request an investigation regarding several unauthorized hard inquiries that appear on my credit report. These inquiries were made without my knowledge or consent, and I believe they may be the result of either error or identity theft. 



Below are the details of the disputed inquiries : Company Name : XXXX XXXX XXXX Date of Inquiry : XXXX Bureau ( s ) Reporting : TransUnion Company Name : XXXX XXXX XXXX XXXX Date of Inquiry : XXXX Bureau ( s ) Reporting : TransUnion I did not authorize these companies to access my credit file, nor did I apply for any credit, loans, or services with them around the dates listed. These inquiries are negatively impacting my credit profile and should be removed immediately. 

I have already contacted the credit bureaus and the companies listed in the inquiries, but the matter has not yet been resolved. I am requesting that the CFPB investigate this issue and help ensure these unauthorized inquiries are removed from my credit report as soon as possible. 

Attached to this letter are : A copy of my credit report highlighting the disputed inquiries Thank you for your attention to this matter. I look forward to a prompt resolution. 

Sincerely, 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 2025-08-08 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:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within four business days of receipt.

The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-08 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
An account is appearing on my credit report that I did not initiate, approve, or authorize. I have never conducted business with the company reporting it, and I have never signed any agreement for such an account. Its presence is the result of fraudulent use of my identity and is both inaccurate 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 2025-08-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OR

Complaint narrative:
WE HAVE RECEIVED CAPITOL ONES RESPONSE. CAPTITOL ONE IN THEY'ER OWN RESPONSE SHOW THEY ARE ACTING IN BAD FAITH. IN PARAGRAPH 2 THEY LITERALLY SAY THE BALANCE OF THE ENTIRE ACCOUNT FOR THE MONTH OF XXXX WAS XXXX. MY COMPLAINT IS NOT ABOUT HOW MUCH I SPENT IN XXXX BUT THE REPORTING PRACTICES OF CAPITOL ONE. NOTICE THEY DO NOT SHOW WHEN I MADE PAYMENTS OR EVEN DISPUTE THAT CARD HOLDERS PAYMENTS ARE NOT REPORTED IN THE SAME MANNER AS PURCHASES. IF THEY HAD THEY WOULD HAVE SHOWN WE MADE PAYMENTS AND THEREFOR WERE NEVER OVER BALANCE. CAPITOL ONE IS IN VIOLATION OF THE FOLLOWING OF OREGON LAWS. 

( ORS 646.639 ( 2 ) ( k ) ) Misrepresenting the nature, amount, or status of a debt ( ORS 646.639 ( 2 ) ( b ) Engaging in conduct that harasses or misleads consumers ( ORS 646.639 ( 2 ) ( n ) ) FCRA Section 605 ( a ) ( 5 ), codified as 15 U.S.C. 1681c ( a ) ( 5 ) WE DEMAND TO SEE A COPY OF THE PHYSICAL REPORTING PRACTICES BY CAPITOL ONE FOR PAYMENTS AND PURCHASES USED BY THEIR CARD HOLDERS AND ANY OTHER POLICY SURROUNDING. AS YOU WILL SEE BY OUR SCREEN SHOTS PAYMENTS WERE MADE, CARD WAS NEVER OVER BALANCE. NEXT WE FILE WITH THE DOJ COMPLAINT OFFICE.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in 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 2025-08-08 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: FL

Complaint narrative:
I am extremely frustrated to find an unauthorized inquiry on my credit report this morning, and I have no idea how it got there. I check my report regularly, and this sudden issue is both shocking and concerning. I even refreshed the page hoping it was just a glitch, but it wasnt. I urgently ask that the documents I submitted be reviewed thoroughly so I can finally stop worrying about this.

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 2025-08-08 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:
This morning, I discovered incorrect accounts on my credit report, and Im confused as to why they are there. I checked my report as usual, but to my surprise, there were inaccuracies that hadnt been there before. I attempted to refresh the page, thinking it might be a glitch, but that didnt fix anything. Im now asking for a thorough review of the documents I provided so I can finally stop stressing over this issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-08 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: LA

Complaint narrative:
I have previously disputed Experian, Equifax and Transunion regarding multiple accounts that are inaccurate. As of today, I have not received any responses or proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non-compliant with the FCRA. These erroneous reports are badly hurting my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

Company response to consumer: Closed with non-monetary relief