vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-09 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:
XXXX XXXX XXXX [ Your Address ] [ City, State, ZIP Code ] [ Email Address ] [ Phone Number ] Date : XX/XX/XXXX TransUnion Consumer Solutions XXXX. XXXX XXXX XXXX, PA XXXX Subject : Factual Dispute of Inaccurate Information on My Credit Report Dear TransUnion Dispute Department, I am writing to formally dispute inaccurate and unverifiable information that appears on my credit report prepared by TransUnion. The report was generated on XX/XX/XXXX, under my name, XXXX XXXX XXXX. After reviewing the report, I found the following accounts to contain errors that require immediate correction or removal under the Fair Credit Reporting Act ( FCRA ) : XXXX. XXXX XXXX XXXX  Inaccuracy : The account is listed as Open with a balance of {$180.00}, and it is marked as Placed for collection. However, no payment history is available, and the listing lacks substantiating detail to verify its legitimacy. I have no knowledge of this debt, and the account status contradicts itself by being both Paid Off : 0 % and having an open balance. Requested Action : Please investigate this account and provide documentation verifying the debt and account status. If verification is not possible, I request that this item be deleted from my credit file. XXXX. XXXX XXXX University Inaccuracy : This entry is also marked Open account and Placed for collection with a balance of {$550.00}, yet no payment history or terms are disclosed. I have never authorized XXXX XXXX University to report to credit bureaus or consented to collection activity. Additionally, the debt is questionable in origin, and no supporting documentation or validation was ever provided to me. Requested Action : Please provide a full validation of this debt including original agreements or billing statements. If the account can not be verified with supporting evidence, I request that it be deleted immediately from my report. Under the FCRA, you are required to conduct a reasonable investigation of my dispute and respond within 30 days. If the accounts can not be verified or proven accurate, they must be removed from my credit report. Please send the results of your investigation in writing to the address listed above. I am also requesting that a corrected copy of my credit report be sent to me once the investigation is completed. Thank you for your prompt attention to this matter. 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 2025-07-09 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: ALLIANT CREDIT UNION
State: CA

Complaint narrative:
I am submitting this complaint because there is inaccurate and potentially unverified information appearing on my credit report. I followed the dispute process as outlined under the Fair Credit Reporting Act ( FCRA ) and contacted the credit bureau and/or furnisher responsible, yet the disputed information remains on my credit file without proper validation or correction. 

Despite my attempts to resolve the issue directly, I have not received sufficient documentation to verify the accuracy of the information. I am concerned that this unresolved reporting is negatively impacting my credit score and overall financial standing.

This raises concerns regarding the credit bureaus and/or furnishers compliance with FCRA Section 611, which mandates that disputed information must be verified or removed within 30 days. Continued reporting of unverified or incorrect data may constitute a violation of federal consumer protection laws.

What Im Requesting : I respectfully request the Consumer Financial Protection Bureau ( CFPB ) to : Review this matter thoroughly and investigate the handling of my dispute Ensure that any inaccurate or unverifiable information is removed or corrected Confirm that proper reinvestigation procedures were followed

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-09 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: AL

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-09 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: MI

Complaint narrative:
have an account with ... XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>. This account is reporting Late Payments, and causing a negative impact on my credit score. I was never late on this account. 
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by law to verify delinquent accounts which in fact shows I have late payments.

I demand to see Verifiable proof on file that my account listed, that my payment were past due. Under the FCRA, unverified accounts must be removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-09 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: MI

Complaint narrative:
have an account with ... XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>. This account is reporting Late Payments, and causing a negative impact on my credit score. I was never late on this account.

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by law to verify delinquent accounts which in fact shows I have late payments.

I demand to see Verifiable proof on file that my account listed, that my payment were past due. Under the FCRA, unverified accounts must 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 2025-07-09 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: GA

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 : 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-09 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: NC

Complaint narrative:
I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. This account has been reporting inaccurately. I wanted to dispute this account because of this and it was affecting my credit report. I am having problems with this unfair treatment. I am sure that I settled this account before because it was not mine. This account was taken care of with the original creditor and promised me to update it out of my report. Therefore, this account is unverifiable. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. This account has been reporting inaccurately. I wanted to dispute this account because of this and it was affecting my credit report. I am having problems with this unfair treatment. I am sure that I settled this account before because it was not mine. This account was taken care of with the original creditor and promised me to update it out of my report. Therefore, this account is unverifiable. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from my credit report.

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 2025-07-09 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: CT

Complaint narrative:
The personal information listed in my credit file includes multiple errors that do not belong to me and must be updated. This includes outdated and incorrect addresses, name variations, false employer listings, and phone numbers that I never provided or authorized. These errors violate 15 U.S.C. 1681e ( b ) of the Fair Credit Reporting Act, which requires credit reporting agencies to ensure the maximum possible accuracy of the information they report. For the record, my only and current address is XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, and no other addresses should be associated with my credit file. My full legal name is XXXX XXXX, and I am XXXX. Therefore, I am requesting the removal of all outdated and inaccurate addresses including : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. Additionally, incorrect name variations like XXXX XXXX XXXX must be corrected to reflect the accurate spelling : XXXX XXXX. I am self-employed and I need my credit file to be updated. Lastly, please delete any phone numbers on my file that do not match my current and verified contact number. These inaccuracies are not only misleading but are actively damaging my credit and financial reputation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-09 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: AL

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 2025-07-09 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: VA

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 : 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/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 2025-07-09 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: FL

Complaint narrative:
Please provide documentation that the following account belongs on my credit report and that my rights have not been violated. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-09 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: IL

Complaint narrative:
I don't agree with the previous investigation and these accounts need to be reinvestigated. In accordance with the Fair credit Reporting Act, the following accounts listed in the Attachments have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I would like to assert that no permissible purpose under 15 USC 1681b ( 2 ) has been established and under the Fair Credit Reporting Act this must be established.

15 U.S.C 6802 ( a ) A financial institution may not, directly or through anya affiliate, disclose to a non affiliated third party any nonpublic personal information.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C section 604 A Section 2 : 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 7 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.

15 U.S. Code 1681i ( 5a ) ( A ) In general Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.

15 U.S.C 1666b ( a ) Time to make payments, A credit may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose 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.

15 U.S. Code 1681i ) : You have the right to dispute any information on your credit report that is inaccurate, incomplete, outdated, or unverifiable.

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 2025-07-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I'm filing this CFPB complaint because TransUnion has failed to remove two disputed accounts, XXXX  XXXX ( Account # : XXXX ) and XXXX ( Account # : XXXX ), from my credit report, even after I mailed a formal dispute letter on XX/XX/year>. I included all necessary documents and clearly highlighted the unauthorized and unverified information, but TransUnion hasnt done anything. The accounts are still being reported, and I havent received any proper investigation results or explanation. Honestly, it feels like they ignored my dispute completely. These accounts were added without my knowledge or written consent, which violates 15 U.S.C. 1681b of the FCRA ; theres no valid permissible purpose. Reporting delinquencies tied to unverified information is unacceptable and has seriously hurt my credit profile. Under 15 U.S.C. 1681e ( b ), TransUnion is required to maintain maximum possible accuracy. But if they're still reporting unverified info after I disputed it, that shows a complete failure to follow the law. Im requesting a reinvestigation and demanding that TransUnion provide the Method of Verification, as allowed under 15 U.S.C. 1681i ( 7 ). The law clearly says I have the right to receive, within 15 days : The business name, address, and phone number of each furnisher they contacted ; The name of the person who verified each item. A copy of the original application or contract bearing my wet signature ; A breakdown of the compliance procedures used to verify the accuracy of the data, as required under 15U.S.C. 1681e ( b ). If TransUnion fails to provide this information, I demand the immediate and permanent deletion of both accounts. Anything less is a willful violation of the FCRA and is subject to penalties under 15 U.S.C. 1681n and 1681o. This situation has caused me a lot of emotional stress and anxiety. Ive done my part by disputing the accounts properly, but TransUnion failed to act. Im asking the CFPB to step in and make sure this gets resolved fairly and that my rights as a consumer are enforced. I do not accept generic E-Oscar responses or automated templates. That is not a real investigation, and the law requires more.

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 2025-07-09 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:
An unsecured loan from XXXX XXXX  appeared on my credit report showing that it was opened on XX/XX/year> with an original balance of {$400.00}. I have no knowledge of this loan or who opened it. the loan now shows that it is 30 days past due with a balance of {$1200.00}. The last reported payment on my report was on XX/XX/year>. I have no knowledge of this payment. I have made several attempts to contact the company but have not been able to make contact. I have remained on hold till the line disconnects. Other times i have selected the option for a call back but never receive one. My last several attempts i was directed to an overflow department who will only take my name number and email address stating that all they can do is forward it. The number listed on my credit report for wise loans is XXXX. This is also the only contact number on their website.

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 2025-07-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I am filing this complaint against Experian due to its failure to investigate and respond to a legitimate and fully documented dispute regarding multiple inaccuracies on my credit report. Experians inaction constitutes a clear violation of the Fair Credit Reporting Act ( FCRA ) and raises serious concerns about its adherence to federally mandated consumer protection standards. 
On XX/XX/year>, I sent a detailed dispute letter to Experian via XXXX XXXX Mail ( Tracking Number : XXXX ), formally requesting an investigation into the following items : XXXX XXXX Bankruptcy ( Reference # XXXX ) Supporting documentation included, such as a copy of the PACER case summary and a copy of my credit report, highlighting the errors. 
XXXX XXXX Bankruptcy ( Reference # XXXX ) Supporting documentation included, such as a copy of the PACER case summary and a copy of my credit report, highlighting the errors. 
3.Inaccurate personal information listed on my credit profile.

To ensure proper identity verification, I included all required documentation : A copy of my government-issued photo ID, social security card , recent utility bill reflecting my current address. According to USPS tracking records, the dispute letter was delivered to Experian on XX/XX/year>. 
As of todaywell over 30 days laterI have received no response, no updates, and no results from Experian regarding the outcome of my dispute. This failure to conduct a reinvestigation and provide a timely response is a direct breach of Experians legal obligations under the FCRA. 
Under the Fair Credit Reporting Act ( FCRA ), Experian is legally obligated to conduct a reasonable investigation and provide the consumer with the results within 30 days of receiving a valid dispute. Experian has failed on all counts. This level of negligence obstructs my ability to maintain an accurate credit report and directly harms my financial standing. Moreover, Experians noncompliance undermines consumer trust and calls into question the bureaus commitment to federal regulations. 
I am attaching a copy of the original dispute letter and USPS certified mail proof of delivery as evidence of my effort to resolve this matter in good faith.

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