vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-04 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: GA

Complaint narrative:
Complainant : XXXX XXXX Phone : XXXX ( XXXX ) XXXX Email : XXXX I, XXXX XXXX, am submitting this formal complaint regarding multiple inaccurate and unverifiable items found in my credit file, which I accessed via XXXX. These inaccuracies represent violations of my rights under the Fair Credit Reporting Act ( FCRA ) and have not been properly addressed by the consumer reporting agency, despite my lawful and valid dispute. 

This complaint is submitted to urge the Consumer Financial Protection Bureau ( CFPB ) to investigate the following non-compliance issues : 15 U.S.C. 1681e ( b ) : Failure to follow reasonable procedures to ensure maximum possible accuracy ; 15 U.S.C. 1681i ( a ) : Failure to conduct a reasonable reinvestigation into disputed information ; 15 U.S.C. 1681i ( a ) ( 7 ) : Failure to provide the method of verification ; 15 U.S.C. 1681g : Failure to provide full file disclosure upon request.

I lawfully authorized a third-party service to assist in filing this dispute and submitted complete identifying documentation to ensure processing without delay. This is not a vague or frivolous dispute. I am demanding a full, good-faith reinvestigation of the data reporting under my file. 

Disputed Accounts : XXXX XXXX Acct # : XXXXXXXX XXXX Opened : XX/XX/XXXXXXXX XXXX XXXX XXXX Acct # : XXXXXXXX XXXX  Opened : XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX Acct # : XXXXXXXX XXXX Opened : XX/XX/XXXXXXXX XXXX XXXX XXXX Acct XXXX : XXXXXXXX XXXX  Opened : XX/XX/XXXXXXXX XXXX XXXX XXXX Acct # : XXXXXXXX XXXX Opened : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Acct # : XXXX  XXXX  Opened : XX/XX/XXXXXXXX  Disputed Inquiries ( Unverifiable or Unauthorized ) : XXXX XXXX Inquiry Date : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXXXXXX XXXX XXXX XXXX Inquiry Dates : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Inquiry Date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX XXXX XXXX XXXX  Inquiry Date : XX/XX/XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry Dates : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX These items are reporting inaccurately and/or can not be verified as required by law. If any portion of these recordsbalance, status, remarks, payment history, or date openedis incorrect or unverifiable, they must be deleted under 15 U.S.C. 1681i ( a ) ( 5 ).

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 2025-07-04 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: GA

Complaint narrative:
Complainant : XXXX XXXX Phone : XXXX ( XXXX ) XXXX Email : XXXX I, XXXX XXXX, am submitting this formal complaint regarding multiple inaccurate and unverifiable items found in my credit file, which I accessed via XXXX. These inaccuracies represent violations of my rights under the Fair Credit Reporting Act ( FCRA ) and have not been properly addressed by the consumer reporting agency, despite my lawful and valid dispute. 

This complaint is submitted to urge the Consumer Financial Protection Bureau ( CFPB ) to investigate the following non-compliance issues : 15 U.S.C. 1681e ( b ) : Failure to follow reasonable procedures to ensure maximum possible accuracy ; 15 U.S.C. 1681i ( a ) : Failure to conduct a reasonable reinvestigation into disputed information ; 15 U.S.C. 1681i ( a ) ( 7 ) : Failure to provide the method of verification ; 15 U.S.C. 1681g : Failure to provide full file disclosure upon request.

I lawfully authorized a third-party service to assist in filing this dispute and submitted complete identifying documentation to ensure processing without delay. This is not a vague or frivolous dispute. I am demanding a full, good-faith reinvestigation of the data reporting under my file. 

Disputed Accounts : XXXX XXXX Acct # : XXXXXXXX XXXX Opened : XX/XX/XXXXXXXX XXXX XXXX XXXX Acct # : XXXXXXXX XXXX  Opened : XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX Acct # : XXXXXXXX XXXX Opened : XX/XX/XXXXXXXX XXXX XXXX XXXX Acct XXXX : XXXXXXXX XXXX  Opened : XX/XX/XXXXXXXX XXXX XXXX XXXX Acct # : XXXXXXXX XXXX Opened : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Acct # : XXXX  XXXX  Opened : XX/XX/XXXXXXXX  Disputed Inquiries ( Unverifiable or Unauthorized ) : XXXX XXXX Inquiry Date : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXXXXXX XXXX XXXX XXXX Inquiry Dates : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Inquiry Date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX XXXX XXXX XXXX  Inquiry Date : XX/XX/XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry Dates : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX These items are reporting inaccurately and/or can not be verified as required by law. If any portion of these recordsbalance, status, remarks, payment history, or date openedis incorrect or unverifiable, they must be deleted under 15 U.S.C. 1681i ( a ) ( 5 ).

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 2025-07-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and am requesting their removal.

Company 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 2025-07-04 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: DC

Complaint narrative:
Complainant : XXXX XXXX Email : XXXX Phone : XXXX ( XXXX ) XXXX I, XXXX XXXX, am filing this formal complaint against the credit reporting agency for its failure to comply with the Fair Credit Reporting Act ( FCRA ). After retrieving my credit report through XXXXXXXX, I discovered multiple accounts and inquiries that are inaccurate and/or unverifiable. I have properly authorized a third-party service to submit a detailed dispute on my behalf and have included all necessary identification documents. 

Despite this, the agency has failed to perform a full and lawful reinvestigation into the disputed information, as required by law. This complaint is filed in response to that failure, and it includes demands for reinvestigation, method of verification, and full file disclosure, pursuant to the following provisions of the FCRA : 15 U.S.C. 1681e ( b ) : Failure to follow reasonable procedures to ensure maximum possible accuracy 15 U.S.C. 1681i ( a ) : Failure to conduct a reasonable and timely reinvestigation 15 U.S.C. 1681i ( a ) ( 7 ) : Failure to provide the method of verification 15 U.S.C. 1681g : Failure to provide complete consumer file disclosure Disputed Items ( Accounts ) : XXXX XXXX  Acct # : XXXX | Date Opened : 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 XXXX Disputed Inquiries ( Unauthorized ) : 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 XXXXXX/XX/XXXX These accounts and inquiries contain errors and/or are not supported by verifiable documentation. If any part of these entries including balance, status, payment history, or date is inaccurate or unverifiable, they must be deleted under 15 U.S.C. 1681i ( a ) ( 5 ).

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 2025-07-04 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: DC

Complaint narrative:
Complainant : XXXX XXXX Email : XXXX Phone : XXXX ( XXXX ) XXXX I, XXXX XXXX, am filing this formal complaint against the credit reporting agency for its failure to comply with the Fair Credit Reporting Act ( FCRA ). After retrieving my credit report through XXXXXXXX, I discovered multiple accounts and inquiries that are inaccurate and/or unverifiable. I have properly authorized a third-party service to submit a detailed dispute on my behalf and have included all necessary identification documents. 

Despite this, the agency has failed to perform a full and lawful reinvestigation into the disputed information, as required by law. This complaint is filed in response to that failure, and it includes demands for reinvestigation, method of verification, and full file disclosure, pursuant to the following provisions of the FCRA : 15 U.S.C. 1681e ( b ) : Failure to follow reasonable procedures to ensure maximum possible accuracy 15 U.S.C. 1681i ( a ) : Failure to conduct a reasonable and timely reinvestigation 15 U.S.C. 1681i ( a ) ( 7 ) : Failure to provide the method of verification 15 U.S.C. 1681g : Failure to provide complete consumer file disclosure Disputed Items ( Accounts ) : XXXX XXXX  Acct # : XXXX | Date Opened : 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 XXXX Disputed Inquiries ( Unauthorized ) : 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 XXXXXX/XX/XXXX These accounts and inquiries contain errors and/or are not supported by verifiable documentation. If any part of these entries including balance, status, payment history, or date is inaccurate or unverifiable, they must be deleted under 15 U.S.C. 1681i ( a ) ( 5 ).

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 2025-07-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Resurgent Capital Services L.P.
State: NY

Complaint narrative:
During XXXX, COVID Pandemic era, Several accounts were taken out in my name and I'm not sure as to the origins of these accounts. I never received confirmation of ways of verifying and validating debts in my name. My entire credit report has been tarnished and needs to be corrected as I have not been advised of all of the details pertaining to my credit file. For the bureaus or any company to have these in my name without confirming the details of such origins of debt are unlawful. Please help me to validate and confirm debts that I'm not sure are mine 15 USC 1601, 15 USC 1692C, HJR 192 ( 15 USC 1681A2B ), 15 USC 1601, 15 USC 1666b, 18 USC 1028A.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-04 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: TX

Complaint narrative:
This complaint serves as a formal follow-up to the complaint I submitted last month regarding the unauthorized and fraudulent use of my Social Security number and personal identifying information. This correspondence reiterates and reinforces my demand for the immediate removal of all accounts that were fraudulently opened in my name.

These accounts were not authorized, opened, or consented to by me and are not reflective of any legitimate financial activity. Their continued presence on my credit report is both inaccurate and damaging.

Legal Grounds for Immediate Deletion : Pursuant to the following federal laws and regulations, I demand the permanent deletion of all fraudulent data : 15 U.S. Code 1681c2 : I am exercising my right to request the removal of all information resulting from identity theft. You are obligated to comply with this request.

12 CFR Part 1022, Subpart H : You are legally required to delete fraudulent information from my credit file within four ( 4 ) business days of receiving notice.

15 U.S. Code 1681a ( 2 ) ( B ) : Any credit transaction involving the unauthorized use of a Social Security number must be excluded from any consumer report.

15 U.S. Code 1692j : Misrepresenting a debt or furnishing deceptive forms is a direct violation of federal law.

Demand for Immediate Action : Let me be absolutely clear : These accounts are fraudulent.

Your continued reporting of them is reckless and potentially unlawful.

I demand that all fraudulent accounts and inquiries be deleted from my credit file immediately.

Any collection efforts tied to these accounts must cease and desist without delay. 

BELOW ARE THE ITEMS THAT NEEDS TO BE REMOVE ASAP : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  TX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX TX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$11000.00}.

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 non-monetary relief
Consumer complaint received 2025-07-04 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: PA

Complaint narrative:
They have my name incorrect on the report they have XXXX XXXX XXXX and I am not a 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 2025-07-04 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Kriya Capital, LLC
State: GA

Complaint narrative:
I am filing this complaint due to serious legal violations by both Credence Resource Management and XXXXXXXX XXXX related to XXXX account. Credence previously attempted to collect a debt that I disputed. When I asked for validation, they stated in writing that XXXX had recalled the account and they were no longer pursuing collection. However shortly after I discovered that XXXX XXXX  is now reporting the same debt to my credit report with missing information due to lacking and not having the validity on the account. 
This is a false statement and deceptive practice under 15 USC 1692e FDCPA.

A violation of FCRA 1681s2 Delete this account immediately you are in violation of federal law!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-04 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:
Greetings, I appreciate your attention to this matter. My name is XXXX XXXX. I have been notified that I am a victim of the XXXX  data breach, which has resulted in the theft of my identity. I am requesting the enforcement of my consumer rights as specified in FCRA SECTION 605B ( 15 U.S.C. 1681c-2 ). Please remove all fraudulent information from my credit report promptly.

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 2025-07-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: Resurgent Capital Services L.P.
State: AL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX XXXX ( XXXX ) XXXX XX/XX/year> Consumer Financial Protection Bureau XXXX. XXXX XXXX XXXX, XXXX XXXX Subject : Request for Assistance Regarding Negative Credit Reporting Dear Consumer Financial Protection Bureau, My name is XXXX XXXX, and I am writing to formally request your assistance regarding negative items currently appearing on my credit report. 

Over the past year, I have worked diligently to improve my financial situation and address any outstanding obligations. However, despite my efforts, I have noticed multiple negative entries that I believe are either inaccurately reported, outdated, or do not reflect my current financial status and good faith efforts to resolve past challenges. 

I respectfully ask that your office review my case and help facilitate the removal or correction of these negative items, as they are significantly affecting my ability to obtain credit, housing, and other important life necessities. 

Please advise me on the next steps I should take, and if necessary, I am willing to provide supporting documentation or file formal disputes with the original creditors or credit reporting agencies. 

I appreciate your attention to this matter and look forward to your response. 

Sincerely, XXXX XXXX The company credit one called and harassed me so many times calling over XXXX times a day. To XXXX XXXX I would have to turn my phone off. I sent a formal letter for them to stop there response was turning over to a collections company, I paid my missed payment to them but the calls still came in the evening called my repeatedly on XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: UT

Complaint narrative:
I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days.

To following information on my credit report is the result of identity theft and should be blocked : 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 XXXXXXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-04 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Chime Financial Inc
State: NY

Complaint narrative:
During XXXX, COVID Pandemic era, Several accounts were taken out in my name and I'm not sure as to the origins of these accounts. I never received confirmation of ways of verifying and validating debts in my name. My entire credit report has been tarnished and needs to be corrected as I have not been advised of all of the details pertaining to my credit file. For the bureaus or any company to have these in my name without confirming the details of such origins of debt are unlawful. Please help me to validate and confirm debts that I'm not sure are mine 15 USC 1601, 15 USC 1692C, HJR 192 ( 15 USC 1681A2B ), 15 USC 1601, 15 USC 1666b, 18 USC 1028A.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-04 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: MN

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 explanation