vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-10 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: TX

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file! 

All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be no confusion or stall tactics on your end.

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 2025-11-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CLGF Holdco 1, LLC
State: IA

Complaint narrative:
I applied for an Indigo credit card and was approved. excited to see improvements on my credit report. I prided myself on staying within my 30 % so that my score would continue to improve. I had to buy some car tires, and they were pricy. My balance was almost XXXX on a XXXX-credit limit, so I made extra payments to get it down to 30 %. And was successful my attempts to get XXXX from the atm for food, but my card kept declining. So, I called Milestone/ Indigo and was told it was declining because I made too many payments!!!! This blew my mind in this day and age, people are not on time or make no payment at all. I called in again to speak to a supervisor to be reinstated and was told that it could not be done. I attempted to upload all the payments and was unable to because the amount of the other payments was {$290.00} more. This is not fair, and another closed account will harm me more. Why???? for being responsible?

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-10 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX TransUnion LLC XXXX. XXXX XXXX XXXX, PA XXXX This letter is a formal legal dispute and complaint regarding XXXX continued reporting of inaccurate and unvalidated collection accounts. The accounts listed below have not been legally verified and therefore must be removed : XXXX XXXX Account : XXXX Reporting after failure to validate debt Bounce AI Account : XXXX Reporting after failure to validate debt Per FDCPA 809 ( b ), once a consumer requests validation of a debt, the collector must cease reporting and provide proper verification. These collectors failed to do so. Their continued reporting is unlawful.

Under FCRA 607 ( b ), TransUnion must ensure maximum accuracy of any information it reports. Under 611, any item that can not be verified must be deleted within 30 days. 
I am demanding : 1. A reinvestigation of these accounts ; 2. A written response with the Method of Verification used ; XXXX. Deletion of both accounts if legal validation can not be proven. 

If TransUnion fails to follow the law, I will file complaints with the CFPB, FTC, and the Georgia Attorney General, and will pursue additional remedies as allowed under federal law. 

Respectfully, 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 2025-11-10 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: NC

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. 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 XXXX  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.

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 2025-11-10 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: NC

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. 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 XXXX  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.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-10 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: CA

Complaint narrative:
I, XXXX XXXX, am submitting this complaint and request assistance from the CFPB regarding issues with my credit report. Upon reviewing my credit report, I discovered multiple accounts that I do not recognize. I later learned that my personal information was exposed during an Equifax data breach. 

As a result of this breach, my Social Security number and identity have been compromised, leading to unauthorized activity on my credit file. I have already reported this incident to the Federal Trade Commission, and the associated FTC Report XXXX is XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-10 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: MD

Complaint narrative:
PLEASE REMOVE THESE FRAUDULENT ACCOUNTS : XXXX  XXXX - Acct # XXXX - Collection account - Balance {$0.00} XXXX XXXX - Acct # XXXX - Collection account - Balance {$2400.00} PLEASE REMOVE THESE FRAUDULENT INQUIRIES : XXXX XXXX  - XX/XX/XXXX XXXX XXXX  - XX/XX/XXXX XXXX  XXXX - XX/XX/XXXX XXXX XXXX - XXXX XXXX, XXXX XXXX XXXX - XXXX XXXX, XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX  - XX/XX/XXXX PLEASE UPDATE AND CORRECT THIS LATE PAYMENT ACCOUNTS REPORTING : STATE EMPLOYEE XXXX - Acct # XXXX - XXXX late payment

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 2025-11-10 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:
I am filing this formal complaint against Equifax Information Services LLC regarding a series of unauthorized and unrecognized credit inquiries that appeared on my Equifax credit report. 
I have never applied for credit or authorized any lender or broker to access my credit file on the following dates : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX These inquiries were not initiated or approved by me, and I have no existing relationship with these entities. Their presence suggests potential identity theft or unauthorized access to my personal information. 

Under the Fair Credit Reporting Act ( FCRA ) 1681b, a consumer reporting agency may only furnish a credit report to a party with a permissible purpose. Since no such permissible purpose exists in this case, Equifax is in violation of the Act for allowing these inquiries to remain on my file.

I have already taken steps to verify my identity and have not found any corresponding loan or credit applications related to these entities. Therefore, these inquiries are not valid and should not be associated with my credit history.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-10 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: CA

Complaint narrative:
My credit report includes collection accounts that I believe are inaccurate. Under 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to a fully accurate credit report. I am requesting that these accounts be reviewed, and if they can not be verified as accurate, they should 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 2025-11-10 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: SC

Complaint narrative:
I am writing to file a formal complaint against several entities for inaccurate and unauthorized information being reported on my credit file. The reporting of these items violates the Fair Credit Reporting Act ( FCRA ), which mandates that all information on consumer credit reports be accurate, verifiable, and reported by authorized entities only. 

Below are the specific inaccuracies and issues I am disputing : Wrong Addresses Listed : XXXX XXXX, XXXX, SC XXXX XXXX XXXX XXXX, XXXX, SC XXXX These addresses are not current or accurate representations of my residence history and should not be listed on my credit profile. 

XXXX Account # XXXXXXXX XXXX XXXX  Date Opened : XX/XX/XXXX Reported Issue : Late Payment I dispute the accuracy of this reporting. I have never made a late payment on this account. This false reporting damages my payment history and overall creditworthiness. I am requesting that this inaccurate late payment notation be immediately investigated and corrected to reflect a positive payment history. 

XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX Date Opened : XX/XX/XXXX High Balance : {$990.00} Reported Status : Collection I have no knowledge of this account and have never authorized or held any account with this creditor. This item must be removed immediately as it appears to be an instance of inaccurate or fraudulent reporting. 

Unauthorized Credit Inquiries : XXXX, XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX I did not authorize these hard inquiries. Under the FCRA, creditors must have a permissible purpose before accessing a consumers credit report. These inquiries were made without my consent and should be deleted from all credit bureaus immediately. 

These errors and unauthorized activities have caused harm to my credit reputation and may have affected my ability to obtain fair credit terms. I have already contacted the credit reporting agencies to dispute these items, but their responses have been inadequate. 

I am requesting that the CFPB conduct a full investigation into these matters and ensure that the reporting entities provide verified, documented evidence supporting their reporting or that the inaccurate data be deleted from my credit file immediately. 

I have attached copies of my identification and recent credit report excerpts highlighting the disputed information. 

Thank you for your attention to this matter. I expect a timely resolution consistent with the FCRAs XXXX investigation requirement.

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 2025-11-10 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: TX

Complaint narrative:
I am writing to dispute certain negative entries currently listed on my credit report. Despite multiple requests and the submission of all necessary supporting documents, these inaccuracies have not been properly addressed. My repeated follow-ups have been met with little to no action, and the continued presence of these errors has caused significant financial and emotional stress. Under the Fair Credit Reporting Act ( FCRA ), I have the legal right to an accurate and verifiable credit report. I am requesting that you take immediate and thorough steps to investigate and correct these items. Failure to resolve them in a timely manner would constitute a violation of my rights under federal law.

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 2025-11-10 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:
Let me be clear that this complaint is legitimate and demands immediate attention. 
My credit report contains inaccurate information that fails to meet the required standard of maximum possible accuracy. 
These errors are having a serious and ongoing negative impact on my life. 
I insist that these inaccuracies be thoroughly investigated and either corrected or removed without delay.

Resolving this issue is not only necessary, it is critical.

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 2025-11-10 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:
The bureau has shown a pattern of willful noncompliance with FCRA 1681n by continuing to report unverifiable information after multiple disputes.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-10 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Steel River Systems, LLC
State: AL

Complaint narrative:
There are XXXX separate creditors listed on my consumer credit report for the same loan and loan amount. The XXXX  creditor is XXXX XXXX XXXX, which has been closed since XX/XX/XXXX. The XXXX  creditor is XXXX XXXX XXXX XXXX, with an open date of XX/XX/XXXX. I requested the original promissory note to be sent to me and disputed the accounts with XXXX XXXX XXXX XXXX However, none of these agencies have responded to my dispute or my request for documentation to verify the signature on the loan agreement. Additionally, I attempted to return the collateral XXXX days after the trial period, but no one picked it up. As a result, this loan is now appearing XXXX  on my credit report, which violates the Fair Credit Reporting Act. The total amount in collections is {$3700.00}.

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 2025-11-10 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: NC

Complaint narrative:
I am disputing the following information on my Experian report. Some of the accounts listed are incorrectly marked as charged-off, and there are inquiries and late payments that I do not recognize. I request that these items be investigated thoroughly : Charged Off Accounts : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1100.00} Inquiries : XXXX XXXX - XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXXXXXX 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 XX/XX/XXXX Late Payments : XXXX XXXX XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX  XXXX - Account Number : XXXX XXXX - Account Number : XXXX XXXX XXXX - Account Number : XXXX XXXX/XXXX  - Account Number : 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 2025-11-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: CITIBANK, N.A.
State: MI

Complaint narrative:
XXXX XXXX XXXX has made multiple phone calls to me regarding a debt with Citibank from nearly two decades ago. This debt was discharged in a bankruptcy over a decade ago. I have informed them of this and yet they still persist in contacting me. This began on Monday XX/XX/XXXX and calls have continued as until as recent as today ( Monday 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 2025-11-10 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 am submitting this statement to dispute the following accounts, inquiries, and late payments due to potential inaccuracies and incomplete reporting. Please investigate these items and correct any discrepancies that may exist. I request resolution in accordance with my rights under the Fair Credit Reporting Act ( FCRA ). 
XXXX Accounts : No charged-off accounts listed for Experian. 

Inquiries : XXXX XXXX XXXX Date : XX/XX/year> XXXX XXXX  XXXX XXXX Date : XX/XX/year>XXXX XXXX XXXX XXXX  Date : XX/XX/year> XXXX XXXX Date : XX/XX/year> XXXX XXXX XXXX  Date : XX/XX/year> XXXX XXXX XXXX XXXX XXXX XX/XX/year> XXXX Payments : XXXX XXXX XXXX XXXX Acct : XXXX XXXX Acct : XXXX XXXX XXXXXXXX Acct : XXXX XXXX  XXXX Acct : XXXX XXXX  XXXX Acct : XXXX XXXX Acct : 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 2025-11-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: OneMain Finance Corporation
State: GA

Complaint narrative:
My personal information was stolen by a former roommate who opened several accounts in my name without my knowledge.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-10 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Kriya Capital, LLC
State: MS

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Credence Resource Management XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  To Whom It May Concern, I am writing in response to a collection entry from Credence Resource Management that appears on my credit report. I dispute this debt and request validation under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g.

Please provide the following documentation : 1. Proof that I am legally obligated to pay this debt.

2. The name and address of the original creditor.

3. A complete payment history, including how the alleged amount was calculated.

4. Proof that Credence Resource Management is licensed and legally authorized to collect debts in my state.

Until you provide the above documentation, you must cease all collection activities, including reporting this account to any credit bureaus. If you can not validate this debt, I request its immediate removal from my credit report with XXXX XXXX and XXXX 

Please be advised that I am keeping a record of all correspondence regarding this matter. If you fail to comply, I am prepared to file formal complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the Mississippi State Attorney Generals Office.

Thank you for your time and cooperation in resolving this matter.

Company response to consumer: Closed with non-monetary relief