vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
To Whom It XXXX Concern, Subject : Experians Failure to Comply with FCRA Section 605B Identity Theft Documentation Ignored I am writing to file a formal complaint against Experian for their repeated failure to comply with the Fair Credit Reporting Act ( FCRA ) Section 605B, which legally mandates credit reporting agencies to block fraudulent information resulting from identity theft upon proper documentation. 

Despite submitting the required documents multiple timesincluding through XXXX separate CFPB complaintsExperian has failed to treat my identity theft claims in accordance with the law. The items I submitted each time include : FTC Identity Theft Report Government-issued photo ID Social Security XXXX XXXX of current address A data breach notification letter supporting the likelihood of identity theft I have also reattached these items with this complaint. Still, Experian has continued to treat my identity theft request as a standard dispute, even though Ive clearly indicated this is a 605B issue. This has caused a delay far beyond the XXXX business day response timeframe required under federal law. 

My active CFPB complaint reference numbers related to this issue are : XXXX XXXX XXXX XXXX In addition, I am again including a * letter from XXXX XXXX Bank confirming that XXXX of the XXXX XXXX XXXX in XXXX ) was the result of identity theft and has been closed. This acknowledgment further proves that the information I have provided is valid. Despite this, Experian continues to pick and choose how to handle the accounts in question, failing to apply the same legal standards across the board. 

The accounts that must be blocked immediately and permanently removed under Section 605B include : XXXX XXXX  * XXXX XXXX Bank * XXXX XXXX XXXX Bank * XXXX XXXX XXXX  * 2019 XXXX Bank * XXXX XXXXXXXX XXXX  * XXXX XXXX * XXXX XXXX XXXX XXXX  * XXXX XXXX XXXX * XXXX XXXX XXXX * XXXX Additionally, I request that inaccurate late payments be removed from the following accounts that are also part of this identity theft issue : XXXX Bank * XXXX XXXX XXXX  * XXXX At this point, Experian has failed to take meaningful action, and the prolonged delays and repeated generic responses constitute noncompliance with federal law. I am requesting that the CFPB intervene immediately and compel Experian to comply with Section 605B, ensuring all fraudulent data is properly blocked and removed. 

Thank you for your assistance. 

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 2025-04-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the Equifax, Experian, and Transunion data breach, which raises concerns about the security of my personal data.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the Equifax, Experian, and Transunion data breach, which raises concerns about the security of my personal data.

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 2025-04-23 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: T.S. Holdings
State: TX

Complaint narrative:
Account Number XXXX I'm 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 as soon as possible from my report or i will have to take legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-23 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: PA

Complaint narrative:
PLEASE BLOCKED AND REMOVED I respectfully request the elimination of these fraudulent accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-23 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: IL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-04-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I have XXXX Capital One Business Credit cards and they report on my personal credit report when It is a business card. Nowhere in any agreement or notices when applying did they say they report to XXXX XXXX for a XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-23 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: NY

Complaint narrative:
I recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under 15 U.S. Code 1681e ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report. 

Furthermore, under 15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within 15 days of your investigation, these accounts and the related information must be removed from my credit report. 

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt collectors. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and and inaccurate information.

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 2025-04-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Radius Global Solutions LLC
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting Act, I hereby insist on a thorough investigation of these items and their subsequent removal from my credit report. It is my understanding that you will verify the accuracy of these items with the relevant creditor. I kindly request that any information the creditor can not confirm be deleted. As per 15 U.S.C. Sec. 1681i ( a ), I expect this investigation to be completed within 30 days of receiving this letter. 
Please send an updated copy of my credit report to the address provided above. I would like to remind you that, as stated in the act, there should be no charge for this updated report. Additionally, I request that you notify anyone who has received a copy of my credit report within the past XXXX months about any corrections made. 
Thank you for your attention and assistance regarding this matter. 
Sincerely,

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 2025-04-23 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:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( MO ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-04-23 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: TX

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( MO ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I let them know I did not open any card in my name I did not open any cards there are 5 or 6 that have been opened and said mailed to my address but i never saw them or i saw them and reported it to the card company and i need help to clean this up. I have call and made reports with the cops and mail cops

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 2025-04-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

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 2025-04-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
To Whom It XXXX Concern, Subject : XXXX Ongoing Non-Compliance with FCRA Section 605B Identity Theft Claims Being Mishandled I am writing to raise urgent concern over XXXX persistent failure to comply with FCRA Section 605B, which outlines procedures for blocking information resulting from identity theft. Despite XXXX separate complaint filings with the CFPB and repeated submissions of all required supporting documentation, Transunion continues to handle my identity theft reports as regular disputesa direct violation of federal law. 

I have submitted the following documents each time : FTC Identity Theft Report Government-issued ID Social Security card Proof of current address A data breach notification letter The documentation was sent with each submission, yet TransUnion has refused to comply with 605B, failed to block the fraudulent items, and continues to issue generic responses or status updates stating that the dispute is simply open, including XXXX from XX/XX/XXXX, which is already past the XXXX business day timeframe required under 605B. 

The CFPB complaint reference numbers Ive filed in connection with this are : XXXX-Transunion XXXX -Transunion XXXX XXXX To XXXX, I have not received any official TransUnion dispute reference numbers, making it even more difficult to track or ensure accountability. 

I would also like to emphasize that XXXX XXXX Bank has formally acknowledged the identity theft and provided a letter confirming the closure of the fraudulent account ending in * XXXX. This proves that TransUnion is picking and choosing which accounts to consider valid under my identity theft claimdespite the same documentation being submitted for all of them. 

The accounts that must be blocked and removed under FCRA 605B include : XXXX XXXX  * XXXX XXXX Bank * XXXX XXXX XXXX Bank * XXXX XXXX XXXX XXXX XXXX XXXX Bank * XXXX XXXX XXXX XXXX XXXX XXXX * XXXX XXXX XXXX Finance * XXXX XXXX XXXX * XXXXXXXX XXXX XXXX * XXXX Additionally, I am requesting the removal of inaccurate late payments resulting from identity theft or unauthorized activity on : XXXX Bank * XXXX XXXX XXXX  * XXXX This is now my fifth attempt to resolve this matter. I am attaching all supporting documents once again, including the XXXX XXXX Bank letter that confirms the fraudulent nature of the account and supports my 605B claim. 

I respectfully request the CFPB to take enforcement action immediately to compel TransUnion to fulfill their legal obligations under Section 605B of the Fair Credit Reporting Act. 

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 non-monetary relief
Consumer complaint received 2025-04-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: VA

Complaint narrative:
I am disputing a collection account being reported by Credence Resource Management. I do not recognize this account and have never received any communication or documentation verifying its legitimacy. The reporting also contains conflicting and inaccurate information across different credit bureaus : XXXX reports the balance as {$370.00} and labels the account as Unpaid XXXX XXXX  ). 
XXXX reports a different balance of {$290.00}, flags it as a XXXX ( XXXX XXXX XXXX ), and lists XX/XX/year> as the date of activity. 
The discrepancies in the balance, dates, and classification raise serious concerns about the accuracy and validity of this account. I have no knowledge of this debt, and I have not been contacted by Credence Resource Management with any form of verification or original creditor information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-23 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CITIBANK, N.A.
State: MD

Complaint narrative:
I signed for a credit card at best buy since more than a year now I always paid on time my minimum pay. 
Everytime I notice that the amount is increased more the {$300.00} for unjustified reason. 
I have been paying all these months but the amount of the credit always increases and decreases. 

This a a theft. I have notice that my credit was wrongly impacted and i lost XXXX point because of a debt i am paying since more than a year. 
This is wrong

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 2025-04-23 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 writing to file a formal complaint regarding the inaccurate reporting of a late payment on my credit report by credit bureaus. The presence of this late payment inaccurately reflects my payment history, as I have consistently paid my bills on time. This discrepancy constitutes a billing error, violating my rights under the Fair Credit Billing Act, 15 USC 1666B. According to this law, consumers have the right to dispute and seek correction of billing errors, which include inaccuracies in payment reporting.

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 2025-04-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: TD BANK US HOLDING COMPANY
State: HI

Complaint narrative:
TD Auto Finance has failed to provide written documentation regarding assignment and securitization of my retail auto loan ( # XXXX ), despite multiple formal requests. 

I requested confirmation of whether the loan had been sold, securitized, or assignedparticularly regarding TD Auto Finance Trust XXXX or XXXX. 

TD has refused to respond through the Secure Message Center, despite acknowledging the message channel for payoffs. This raises questions of legal standing, transparency, and servicing integrity under TILA, RESPA, and the XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-23 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: NY

Complaint narrative:
XXXXHello. I've reached out about inaccurate information on my credit profile. These include inaccurate information: Names, addresses and employers. I'm requesting that the information be permanently removed from my profile. XXXX XXXX and TRANSUNION have failed to provide updated information. ADVERSE/INFORMATION (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 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 Laws not being followed: Consumer Laws: U.S.C 15CHAPTER 41 REFERENCE. 15 U.S.C. 1681i (a) (5). 15 U.S.C. 1681(e)(b). 15 U.S.C. 1681b(a)(3)(D). XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-04-23 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: AL

Complaint narrative:
I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about!

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 2025-04-23 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: NY

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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