vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-11 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: NC

Complaint narrative:
The personal information on my credit report were outdated.

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 2025-05-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
The personal information on my credit report were outdated.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-11 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SUNRISE CREDIT SERVICES, INC
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XX/XX/year> Sunrise Credit Services , Inc . 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Debt Validation Request Under 15 U.S.C. 1692g To Whom It May Concern, I am writing in response to your negative credit reporting, regarding an alleged debt with account number XXXX. This letter is a formal dispute of the validity of the debt under the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 U.S.C. 1692g. 

Pursuant to my rights under this law, I hereby request that you provide validation of the alleged debt. This includes, but is not limited to : XXXX. The amount of the debt ; XXXX. The name of the creditor to whom the debt is currently owed ; XXXX. A copy of the original contract or agreement bearing my signature ; XXXX. A complete payment history and breakdown of how the amount claimed was calculated ; XXXX. Proof that you are legally authorized to collect debts in my state. 

Please be advised that until such validation is provided, you must cease all collection activities, including reporting this alleged debt to credit reporting agencies. If you have reported it already, you are required to notify them that the debt is in dispute. 



This letter is sent in good faith and without acknowledgment or acceptance of any liability or the validity of the alleged debt. Please respond within XXXX days of your receipt of this letter. 



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 2025-05-12 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: VA

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in XXXX XXXX XXXX. I suspect these inquiries were made in error XXXX am requesting their removal.

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 2025-05-12 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: AL

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-11 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: CA

Complaint narrative:
Date : XX/XX/XXXX To : Experian XXXX. XXXX XXXXXXXX XXXX XXXX XXXXXXXX TransUnion XXXX. XXXX XXXX, XXXXXXXX XXXX XXXX Equifax XXXX. XXXX  XXXX, XXXXXXXX XXXX XXXXXXXX From : XXXX XXXX. XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX DOB : XX/XX/XXXX SSN : XXXX Subject : CFPB Complaint Formal Dispute and Demand for Permanent Deletion of Unverifiable Accounts To Whom It May Concern, This is a formal CFPB complaint and dispute under the Fair Credit Reporting Act ( FCRA ). I am disputing XXXX inaccurate, unverifiable, and incomplete derogatory accounts currently being reported on my credit reports. Both furnishers and all three bureaus have failed to comply with federal law. 



XXXX. XXXX XXXX XXXX XXXX Account # : XXXX This account is being reported as a charge-off with a {$4900.00} balance. 
No monthly payment history is furnished, violating XXXX XXXX compliance. 
It is marked Previously in Dispute Resolved without any supporting documentation. 
Under FCRA XXXX and XXXX ( b ), I demand the method of verification and a complete detailed description of the investigation conducted. 
This account was verified without providing me the required explanation or proof. 



XXXX. XXXX XXXX XXXX Account # : XXXX This is a third-party debt buyer reporting a collection account originally from XXXX XXXX XXXX . 
No debt validation was ever provided in accordance with XXXX XXXX. XXXX. 
The chain of assignment, forward flow agreement, and original signed contract have not been disclosed. 
The bureaus have not supplied the method of verification or details of any reinvestigation as required under FCRA XXXX ( a ) ( XXXX ). 
This account is being reported with inconsistent dates across bureaus, violating the standard of maximum possible accuracy under XXXX ( b ) and XXXX ( b ). 



I am demanding the following : XXXX. A lawful reinvestigation of both accounts under FCRA XXXX. 
XXXX. The full method of verification, including the name and contact information of who verified the accounts. 
XXXX. A complete detailed description of the investigation conducted. 
XXXX. Permanent deletion of these accounts if you can not provide verifiable documentation within the statutory XXXX period. 

Failure to provide the required information constitutes willful noncompliance with the FCRA and FDCPA and is subject to civil liability under XXXX U.S.C. XXXX ( willful violations ) and XXXX ( negligent violations ). 

Please consider this my final demand for compliance before I escalate this matter further through legal proceedings and regulatory enforcement. 

Sincerely, XXXX XXXX. XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-11 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: AZ

Complaint narrative:
Experian 's on line computer site has a server error & can't update my personal information on my credit report. 
XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX XXXX : XX/XX/XXXX SS XXXX XXXXXXXX XXXX XXXX EXPERIAN IS TO POST GOOD ACCOUNT : XXXX XXXX PAID IN FULL XX/XX/XXXX AND XXXX XXXX XXXXXXXX XXXX XXXX BALANCE {$130.00}. 
XXXX XXXXXXXX XXXX XXXXXXXX IS PAID IN FULL 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 2025-05-11 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:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and am requesting their removal.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-12 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: 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 ONE 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 2025-05-11 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: NJ

Complaint narrative:
I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXX  # XXXX * * * * * * * * * * - Date Opened XX/XX/XXXX Account Name : XXXX XXXX # XXXX * * * * * * * * * * - Date Opened XX/XX/XXXX Account Name : XXXX  XXXX XXXX # XXXX- Date Opened XX/XX/XXXX Account Name : XXXX  XXXX # XXXX * * - Date Opened XX/XX/XXXX Account Name : XXXX  XXXX # XXXX * * - Date Opened XX/XX/XXXX Account Name : XXXX  XXXX # XXXX * * - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX # XXXX * * - Date Opened XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XXXX  XX/XX/XXXX Experian

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 2025-05-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: OneMain Finance Corporation
State: MO

Complaint narrative:
I was denied car loans from XXXX different car dealerships... 
XXXX. XXXX XXXX XXXX XXXX  ... their slogan is bad credit or no credit XXXX cash down ( XX/XX/year> ) XXXX. XXXX XXXX ... their slogan is good credit, bad, or no credit we'll get you driving today. I was approved for a XXXX car loan after they've ran my credit. Then all of sudden I was denied.... ( XX/XX/year> ) The same thing with the car insurance companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-11 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:
These fraudulent inquiries are affecting my ability to obtain credit. I need them removed immediately

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 2025-05-11 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: FL

Complaint narrative:
These fraudulent inquiries are affecting my ability to obtain credit. I need them removed immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-11 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: SUNRISE CREDIT SERVICES, INC
State: FL

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to formally file a complaint regarding an account that has been unlawfully and falsely reported to the credit bureaus by Sunrise Credit Service, a debt collection agency. The account in question is as follows : Creditor : Sunrise Credit Service Original Creditor : XXXX XXXX  I have no knowledge or recollection of any account or debt with XXXX XXXX, and I firmly dispute the validity of this collection account. I have never received any verification, billing statements, or communication from the original creditor regarding this alleged debt. This account was placed on my credit report without my consent or knowledge, which constitutes a serious violation of my rights under federal law. 

As required under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S. Code 1692g, I am requesting the full validation of this debt including : A copy of the original contract bearing my wet signature authorizing this debt ; Evidence of legal assignment of the debt from the original creditor ( XXXX XXXX  ) to Sunrise Credit Service ; Proof that Sunrise Credit Service is legally authorized to collect this debt on behalf of XXXX XXXX. 

Additionally, under the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681s-2, Sunrise Credit Service is required to report only accurate and verified information to the credit bureaus. Reporting an unverified and disputed account constitutes a clear violation of my rights under this statute. 

What is particularly concerning is that Sunrise Credit Service now possesses my personal and sensitive informationincluding but not limited to my name, address, and possibly my Social Security numberwhich may have been illegally obtained without my knowledge or consent. I believe this may constitute a breach of data privacy laws and warrants urgent investigation.

Please be advised that I have also filed complaints with the following agencies : Federal Trade Commission ( FTC ) XXXX XXXX XXXX  ( XXXX  ) Office of the Florida Attorney General I am requesting the CFPB to immediately investigate this matter and require Sunrise Credit Service to : Provide the requested validation documentation ; or Immediately remove this collection account from all credit bureaus ( XXXX, XXXX, and XXXX  ) within 15 to 30 days from the date of this letter. 

Failure to comply with these federal regulations should subject them to appropriate enforcement action by your office. 

Thank you for your attention to this serious matter. I trust that your office will act to protect consumers from unlawful and abusive collection practices. Please confirm receipt of this complaint and advise me of any additional steps I should take.

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 2025-05-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX  Open XXXX Reason for Dispute : Not Mine, Never opened an account with this company or gave consent to run my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-12 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: OH

Complaint narrative:
I am sending to formally dispute the accuracy and validity of several accounts entries currently listed on my credit report. In accordance with my rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ), I am requesting full validation and, if appropriate, immediate removal of these accounts from my credit file. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$950.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$2100.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$16000.00XXXX XXXX XXXXXXXX Bankruptcy Dismissed Reference # XXXX XX/XX//2022 XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-11 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Kriya Capital, LLC

Complaint narrative:
Account XXXX XXXX XXXX XXXX XXXXXXXX I am unaware of this debt and did not have the opportunity to dispute this account if you believe you sent proper notification please provide " Certified Mail '' with receipt displaying my signature. If not, please delete account XXXX XXXXXXXX as soon as possible from my report or I will have to take legal action.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX XXXX XXXX the address this company is reporting on my credit isn't mines and I never reside there,

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 2025-05-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: SC

Complaint narrative:
On XX/XX/XXXX, I was in XXXX and attempted to use my capital one venture card and it was declined multiple times. I called capital one and they told me I had been declared deceased so they closed my card and in turn erased all my miles. They were able to reopen my card and I was told my miles would be reinstated. Today I called because they still hadn't been reinstated. I also noticed there was a {$700.00} credit on my account which I never had asked for. So I called Capital One again, and they had told me that my XXXX mileshad been redeemed for a {$700.00} credit on my credit card statement. I had to spend {$70000.00} to get those XXXX miles. I never would have redeemed all of those miles for only {$700.00}. They told me they don't know how it happened and there is nothing they can do to get my miles back. My guess is the first girl I spoke to couldn't figure out how to actually get my miles reinstated so she just put that i redeemed them for a credit which I NEVER would have done.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-12 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: FL

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint 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 2025-05-11 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: NC

Complaint narrative:
According to Frca section 605b it is illegal to report anything on my credit report without my consent, please remove this negative item from my report. Thanks 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 2025-05-11 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: NC

Complaint narrative:
According to Frca section 605b it is illegal to report anything on my credit report without my consent, please remove this negative item from my report. Thanks you

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
According to Frca section 605b it is illegal to report anything on my credit report without my consent, please remove this negative item from my report. Thanks 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 2025-05-11 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: EQUIFAX, INC.
State: NC

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 response to consumer: Closed with non-monetary relief