vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-17 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
State: IL

Complaint narrative:
To Whom It May Concern, I am submitting a formal complaint against Credence Resource Management , LLC ( Credence RM ) for engaging in illegal debt collection practices in violation of both Illinois state law and federal consumer protection laws. They have reported a collection account on my XXXX XXXX XXXX credit reports, and I have not received the legally required validation or disclosures. 

I reside in Illinois, and their conduct is unlawful on multiple levels. 

Violation of Illinois Collection Agency Law Under the Illinois Collection Agency Act ( XXXX ILCS XXXX ), any business collecting consumer debt from Illinois residents must be licensed by the Illinois Department of Financial and Professional Regulation ( IDFPR ). As of this filing, Credence RM is not listed as a licensed collection agency in the State of Illinois. 

Conducting debt collection activity in Illinois without a valid license is illegal and invalidates any attempt to collect or furnish negative credit data within the state. 

Violations of Federal Consumer Protection Laws 1. Failure to Provide Validation XXXX CFR XXXX ( b ) ( 5 ) Credence RM has not provided me with any written validation notice regarding the alleged debt. This violates XXXX CFR XXXX ( b ) ( 5 ), which requires debt collectors to provide written validation either before or within 5 days of their initial communication or credit reporting. 

2. Lack of Dispute Notice XXXX CFR XXXX ( c ) ( 4 ) ( i ) I was never informed of my right to dispute the debt within 30 days. This is a direct violation of XXXX CFR XXXX ( c ) ( 4 ) ( i ), which protects consumers rights to challenge inaccuracies before further collection or reporting occurs. 

3. False and Misleading Collection XXXX U.S.C. XXXXe Credence RM is violating XXXX U.S.C. XXXXe of the FDCPA by using deceptive and misleading practices. They are attempting to collect debt in a jurisdiction where they are not licensed, misrepresenting their legal authority, and reporting unverifiable debts. 

4. Improper Furnishing to Credit Bureaus XXXX CFR XXXX ( d ) & XXXX U.S.C. XXXX ( a ) ( 7 ) ( A ) Despite not providing validation or dispute information, Credence RM furnished this collection to XXXX XXXX XXXX. This violates : XXXX CFR XXXX ( d ) Furnishing to CRAs without proper disclosure/validation is prohibited. 
XXXX U.S.C. XXXX ( a ) ( 7 ) ( A ) Furnishers must notify consumers before reporting negative information. 

Revocation of Communication XXXX U.S.C. XXXXc ( c ) Under XXXX U.S.C. XXXXc ( c ), I am exercising my legal right to revoke any and all forms of communication from Credence RM. They are hereby instructed to cease all contact with me regarding this or any other account, including phone calls, texts, letters, or emails. 

Any further communication will constitute harassment and a violation of the FDCPA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-17 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: MD

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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 2025-07-17 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I am submitting this complaint because my credit report contains inaccurate address information that does not belong to me. Specifically, the following addresses are listed on my report, and I have never lived at or been associated with these locations : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have never lived in XXXX XXXX XXXX, nor have I authorized any account or application using these addresses. These entries are concerning and may be linked to potential fraud or identity errors. 

I am requesting that the credit reporting agencies involved ( XXXX Experian, XXXX  ) investigate and remove these incorrect addresses from my credit file immediately. 

This inaccurate information could affect my ability to obtain credit, and I take the accuracy of my credit report very seriously. I am also happy to provide proof of my current and past legal addresses, if necessary. 

Thank you for your attention to 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 2025-07-17 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: SC

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-17 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: DE

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX - XXXX List of Unauthorized Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-07-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: LEXISNEXIS
State: LA

Complaint narrative:
I am writing to request a security freeze on my credit report in accordance with my rights6 under the Fair Credit Reporting Act ( FCRA ). This freeze is necessary as I am currently disputing inaccurate information on my credit file and want to ensure the security and accuracy of my report during this process.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-17 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
I was a victim of fraud involving a wire transfer sent from my citibank account. I reported the incident to citibank more than a month ago, but i have not received a proper resolution or refund. On XXXX amount {$1600.00}, XXXX amount of {$7000.00}, and on XXXX amount of {$10000.00}, a fraudulent wire transfer was made from my citibank account to XXXX XXXX XXXX XXXX. This transfer was unauthorized and part of a scam/fraud scheme that i reported immediately after discovering it. I promptly notified Citibank and followed all of their steps, includding submitting documentation and a fraud claim. Despite my efforts, Citibank as not returned the funds, and i ave receive little to no communication on the status of the investigation.

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 2025-07-17 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: GA

Complaint narrative:
My information reporting on my credit report is not accurate. 
My address is not correct and the company is giving me a hard time making the necessary changes. Which is effecting the accurate reporting. 
Also my my personal information and employment information. I tried to reach out in numerous occasions and no help was giving. I have tried to mail in a copy of my social which they requested to verify myself and they stated nothing was received. I have attached a copy of my social which was asked for me to mail in which I did and the company never received

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
I am writing to request a security freeze on my credit report in accordance with my rights6 under the Fair Credit Reporting Act ( FCRA ). This freeze is necessary as I am currently disputing inaccurate information on my credit file and want to ensure the security and accuracy of my report during this process.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-17 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Called before 8am or after 9pm
Company: CL Holdings LLC
State: TN

Complaint narrative:
The company in question has done all of the items on the list. Called all times of the day and at night. Threatened me and spoke to me in a derogatory manner. Not to mention the way they have spoken to me on the phone, has me to believe that I'm being threatened at my home with the level of harassment they have done. They have sold the debt yet again and still left their debt my credit report and the original creditor is still on my report and now I have XXXX different collection agencies on there for the same debt with different account numbers. The only thing everyone can say is its different account numbers but it's not, it's the same debt that they are playing around with. This is ridiculous to play with people lives. Please help get these collections and the original creditor removed off my report, I feel unsafe at this point.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Affirm Holdings, Inc
State: FL

Complaint narrative:
I made a purchase through XXXX using Affirms payment plan. XXXX sent me the wrong item, and after several months of trying to resolve the issue directly with them, I filed a dispute with Affirm. 

Once I filed the dispute, Affirm removed the auto-payment that had been set up for this plan. The dispute was eventually resolved in my favor, and XXXX issued a refund. However, Affirm left a small remaining balance on the account. Because Affirm had disabled auto-pay during the dispute, and I was never notified that a balance remained or that payment was due after the dispute was closed, the account passed their " grace period '' without payment.

Affirm then reported the payment as late to the credit bureaus. This late payment was entirely caused by Affirms actions and lack of proper notification, not by negligence on my part. 

I am requesting that Affirm correct this inaccurate reporting and remove the late payment, as the underlying charge was refunded, the auto-pay failure was caused by Affirm, and I was not given proper notice after the dispute resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-17 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: TX

Complaint narrative:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations. 

Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy.

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 2025-07-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: LEXISNEXIS
State: MO

Complaint narrative:
I am writing to request a security freeze on my credit report in accordance with my rights6 under the Fair Credit Reporting Act ( FCRA ). This freeze is necessary as I am currently disputing inaccurate information on my credit file and want to ensure the security and accuracy of my report during this process.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: IL

Complaint narrative:
I disputed a Jefferson Capital account on my credit report. No documentation has been provided to validate the debt, and it remains on my report. I formally requested validation and still have not received proof of the original creditor, breakdown of charges, or their right to collect. This is in violation of the Fair Debt Collection Practices Act and the FCRA. I request removal of the account until proper validation is provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-17 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: NJ

Complaint narrative:
My profile includes some inaccurate personal information please review the relevant documents that have my correct details.

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 2025-07-17 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: Experian Information Solutions 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 explanation
Consumer complaint received 2025-07-17 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: PA

Complaint narrative:
I am unaware of these inquiries and suspect unauthorized activity. Documentation is enclosed for your reference.

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 2025-07-17 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: CO

Complaint narrative:
I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-17 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 concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

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 2025-07-17 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: FL

Complaint narrative:
I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-17 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: DE

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX  List of Unauthorized Inquiries : 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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