vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-22 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: SC

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2025-05-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: LA

Complaint narrative:
CEASE AND DESIST NOTICE UNLAWFUL COLLECTION PRACTICES To Whom It May Concern : This letter serves as your formal notice to CEASE AND DESIST all forms of communication with me, XXXX XXXX, in connection with any alleged debt you claim I owe. This includes but is not limited to phone calls, emails, letters, voicemails, or any third-party contact attempts. 

Furthermore, you are to immediately remove any and all references to this alleged debt from my credit reports with Experian, Equifax, and TransUnion, pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( c ) and applicable case law. Upon receipt of this letter, you are prohibited from further collection activity, including reporting to consumer reporting agencies. 

You are reminded that : > Once a debt collector receives a cease and desist letter, it must stop all collection efforts, including credit reporting, or risk violating the FDCPA. 
XXXX XXXX  XXXX, XXXX XXXX XXXX. XXXX XXXX ( XXXX. XXXX ) Additionally : > Credit reporting is considered a form of collection activity, and continued reporting after a cease and desist demand constitutes continued collection. 
XXXXXXXX XXXX XXXXXXXX XXXX, XXXX, XXXX XXXX XXXX ( XXXXXXXX XXXX XXXX ) If you continue to report this debt to the credit bureaus, or engage in any communication whatsoever after receipt of this notice, I will consider this a willful violation of federal law and will not hesitate to pursue all available remedies, including legal action, statutory damages, and complaints to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the Louisiana Attorney Generals office. 

CREDENCE RESOURCE MANA Acct # XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-22 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: MA

Complaint narrative:
My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Ive discovered multiple errors on my credit report, including accounts I dont recognize, unauthorized inquiries, and inconsistent information. These inaccuracies are impacting my credit 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 2025-05-22 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: PA

Complaint narrative:
Ive discovered multiple errors on my credit report, including accounts I dont recognize, unauthorized inquiries, and inconsistent information. These inaccuracies are impacting my credit 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 2025-05-22 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: CA

Complaint narrative:
CFPB Complaint - XXXX XXXX XXXX CFPB Complaint - XXXX XXXX XXXX * * Category : * * Credit reporting > Incorrect information on your report * * Date : * * XX/XX/year> I am filing this complaint due to multiple inaccurate and derogatory tradelines that are being reported on my credit file by various creditors and collection agencies. These accounts are damaging my credit profile and appear to violate the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). 
The following accounts are in dispute : XXXX. * * XXXX XXXX XXXX XXXX XXXX XXXX XXXX * * Account shows a balance of {$2900.00} with a high credit of {$2300.00}. There is no valid documentation verifying this debt, and it is reported across multiple bureaus as a collection. 
XXXX. * * XXXX XXXX XXXX XXXX XXXX Account # XXXX * * * *, showing a past due balance of {$2200.00} and marked as a charge-off/collection across TransUnion, Experian, and Equifax . There are inconsistent remarks, and no validation of the debt was provided. 
XXXX. * * XXXX XXXX/ XXXX XXXX * * Account # XXXX * * * * reporting {$21000.00} in collection, without validation or details of account origination. 
XXXX. * * XXXX XXXX XXXX ( XXXX ) * * Account # XXXX * * * * marked as 'charged off as bad debt ', 'dispute resolved ; customer disagrees ', yet still listed as unpaid with no supporting documents. 
CFPB Complaint- XXXX XXXX XXXX XXXX. * * XXXX XXXX * * Account # XXXX * * * * reported as a charged-off revolving account with a {$150.00} past due balance. The creditor reports conflicting credit limit and balance information across bureaus. 
I have disputed these items through XXXX XXXX and submitted a debt validation request directly to the collectors. No sufficient response or documentation has been provided. Under FCRA 607 ( b ), the information must be accurate and verifiable. Continued reporting without validation is a violation of FDCPA 809 ( b ).

I am requesting that these accounts be fully investigated and, if unverifiable, permanently removed from all credit reports. If the bureaus and data furnishers continue to report without proper investigation and verification, I will escalate this to seek legal remedies under FCRA 616 and FDCPA 813.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-22 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: CA

Complaint narrative:
CFPB Complaint - XXXX XXXX XXXX CFPB Complaint - XXXX XXXX XXXX * * Category : * * Credit reporting > Incorrect information on your report * * Date : * * XX/XX/year> I am filing this complaint due to multiple inaccurate and derogatory tradelines that are being reported on my credit file by various creditors and collection agencies. These accounts are damaging my credit profile and appear to violate the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). 
The following accounts are in dispute : XXXX. * * XXXX XXXX XXXX XXXX XXXX XXXX XXXX * * Account shows a balance of {$2900.00} with a high credit of {$2300.00}. There is no valid documentation verifying this debt, and it is reported across multiple bureaus as a collection. 
XXXX. * * XXXX XXXX XXXX XXXX XXXX Account # XXXX * * * *, showing a past due balance of {$2200.00} and marked as a charge-off/collection across TransUnion, Experian, and Equifax . There are inconsistent remarks, and no validation of the debt was provided. 
XXXX. * * XXXX XXXX/ XXXX XXXX * * Account # XXXX * * * * reporting {$21000.00} in collection, without validation or details of account origination. 
XXXX. * * XXXX XXXX XXXX ( XXXX ) * * Account # XXXX * * * * marked as 'charged off as bad debt ', 'dispute resolved ; customer disagrees ', yet still listed as unpaid with no supporting documents. 
CFPB Complaint- XXXX XXXX XXXX XXXX. * * XXXX XXXX * * Account # XXXX * * * * reported as a charged-off revolving account with a {$150.00} past due balance. The creditor reports conflicting credit limit and balance information across bureaus. 
I have disputed these items through XXXX XXXX and submitted a debt validation request directly to the collectors. No sufficient response or documentation has been provided. Under FCRA 607 ( b ), the information must be accurate and verifiable. Continued reporting without validation is a violation of FDCPA 809 ( b ).

I am requesting that these accounts be fully investigated and, if unverifiable, permanently removed from all credit reports. If the bureaus and data furnishers continue to report without proper investigation and verification, I will escalate this to seek legal remedies under FCRA 616 and FDCPA 813.

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 2025-05-22 00:00:00
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Lost or stolen money order — 
Company: WESTERN UNION COMPANY, THE
State: IN

Complaint narrative:
I, XXXX XXXX XXXX, purchased a Western Union money order on XX/XX/year>, in the amount of {$3800.00} to pay for a XXXX XXXX XXXX fee XXXX XXXX XXXX, Request for Premium Processing Service ), submitted to the U.S. Citizenship and Immigration Services ( USCIS ).

USCIS XXXX XXXX XXXX XXXX on XX/XX/year>, due to an incorrect fee payment and returned my petition package on XX/XX/year>. However, the money order was not included in the returned materials. According to USCIS policy, the money order should have been returned uncashed. 

Upon investigation, I discovered that the money order was cashed on XX/XX/year>, two days after USCIS had issued the rejection. On XX/XX/year>, I submitted a Money Order Research or Photocopy Request Form to Western Union requesting a copy of the front and back of the cashed money order.

The money order is associated with the following serial and transaction numbers : Money Order / Transaction Numbers : XXXX XXXX XXXX XXXX XXXX On XX/XX/year>, Western Union responded by email, stating there was no indication the money order had been presented for payment and suggested a refund request. After I submitted further documentation, they later confirmed the money order was in fact cashed on XX/XX/year>, but still refused to provide a copy of the front and back, despite my full compliance with the request process, my filling of the MONEY ORDER RESEARCH OR PHOTOCOPY REQUEST and submission of proof of purchase ( including a photo of the original money order ). 

This refusal is actively obstructing my ability to identify who cashed the money order and to pursue a remedy. It has caused serious financial harm and negatively impacted a federal immigration process by denying me evidence and recovery of funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-22 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: TX

Complaint narrative:
This COMPLAINT is asking for your assistance for formal request for investigation that Credit Bureaus is reporting inaccurate information. I was never late. I always made my payment on time.

I am very distressed that they have included the below information in my credit profile due to its damaging effects on my good credit standing. As they are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. This is an inaccurate information and is a mistake on either your company or the reporting creditor 's part. Because of the mistake ( s ) on my credit report, I have been wrongfully denied credit recently, which was highly embarrassing and has negatively impacted my lifestyle.

I'm sure you'll agree, the late payment ( s ) needs to be Removed as soon as possible. The following information needs to be verified and updated from my credit report as soon as possible : 1XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$25000.00} Date Opened : XX/XX/year>

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-22 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: NC

Complaint narrative:
I recently looked at my credit profile and noticed a number of unauthorized inquiries on my credit profile. I disputed these inquiries without any success, and it is currently causing harm to my profile and score. These inquiries consist of the following. 

Equifax : 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, Experian : 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 Transunion : 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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-22 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: NC

Complaint narrative:
I recently looked at my credit profile and noticed a number of unauthorized inquiries on my credit profile. I disputed these inquiries without any success, and it is currently causing harm to my profile and score. These inquiries consist of the following. 

Equifax : 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, Experian : 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 Transunion : 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

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 2025-05-22 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: FL

Complaint narrative:
I recently looked at a copy of my credit report and noticed several inaccuracies on my account. I am in disagreement with the accounts listed below which still appear on my credit report, even after your investigation. These accounts are hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy [ XXXX XXXX ] [ Account Number- XXXX ] [ XXXX XXXX XXXX XXXX ] [ Account Number- XXXX ] In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611. Please provide the names and business addresses of each individual with whom you verified above so that I may follow up. Please send me an updated copy of my credit report after your investigation. I have yet to receive any information, yet it keeps coming back as verified with no response to how it was verified. These exact accounts were disputed with XXXX and Experian and removed after investigation concluded that these accounts are inaccurate/should not be reported. 
Also [ XXXX XXXX XXXX XXXX ] [ Account Number- XXXX ] is past 7 years old from date of alleged delinquency and is still reporting. I have mentioned this as well and it CONTINUES to report. This has caused great damage to me being able to obtain credit and I want this account removed immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-22 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: SC

Complaint narrative:
XXXX XXXX, XXXX, XX/XX/year> This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency XXXX XXXX information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX  credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-22 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Interest rate
Company: Freedom Mortgage Company
State: IL

Complaint narrative:
Hi, my name is XXXX XXXX. I have a problem with my house payment every month. I am about {$16000.00} behind on my house payments. I spoke with the bank and told them about my circumstances. Last year, I couldn't make the payments every month because I wasn't working and I had many problems. I didn't have enough money to pay all the bills I owed. When I talked to them, they said I wasn't required to pay any money right now because I didn't have enough funds. I went about XXXX months without paying, and finally, there's no solution. I'm not happy at all ; they increased the interest to 7.25 % over 40 years, which is way too much. They told me if I don't pay the {$16000.00} all at once, they will foreclose on the house. I have no other option. I'm not satisfied with what happened. I don't have enough money. I tried to pay {$8000.00} and pay the rest monthly, but they said no. They want to foreclose on the house by any means or want me to accept the offer that increases the interest to 7.25 %, which is way too much over 40 years. That means I will pay a lot, and they will take the house XXXX or XXXX times over, and that's not fair at all. They don't want to accept {$8000.00} now and let me keep the house and pay the remaining installments monthly. So what should I do? It's really unfair to pay so much over 40 years to take the house from me when I don't have {$16000.00} to pay them all at once. I don't know what to do. I tried to talk to them many times, but there's no benefit at all. The bank is a thief ; they want to take my money by any means. I hope you can find a suitable solution for me because they don't want to offer me any other solution. I hope you can find a solution, and thank 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 explanation
Consumer complaint received 2025-05-22 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: SC

Complaint narrative:
I applied for a {$40000.00} credit line last year with JetBlu/Barclays and XXXX unexpectedly approved for only {$1000.00}. I never agreed to this lower limit. Without my authorization, the credit card company transferred {$140.00} from XXXX XXXX account on XX/XX/XXXX. I had no knowledge of this transfer until XX/XX/XXXX as I did not notice it on my statement. 

I did not authorize this charge or agree to activate or use this account under the revised terms. They also reported this account to my credit report multiple times, damaging my score. This is a clear violation of my rights under the Fair Credit Billing Act and Fair Credit Reporting Act. I want this account removed from my credit report, the unauthorized transaction reversed, and compensation for the damage caused. 

My credit went from XXXX to XXXX. 

I called XXXX and was never able to get any where with them. They told me they could not locate my credit application so I asked to speak with the supervisor. I was told the supervisor was not in the office. I asked them to contact me asap. They said the supervisor would contact me but I still haven't heard from them a week later.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-22 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: DC

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 XXXX, 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. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$11000.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$47000.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XX/XX/year> XXXX XXXXXX/XX/year>

Company response to consumer: Closed with non-monetary relief