vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-01 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:
am filing this complaint regarding inaccurate and unverified collection accounts currently being reported on my credit file by all three major credit bureaus : TransUnion, Equifax, and Experian. 

The accounts in question are : XXXX XXXX # XXXX Account # XXXX XXXX XXXX XXXX # XXXX {$1200.00} XXXX XXXX XXXX # XXXX {$430.00} These accounts are being reported without proper verification and in violation of my rights under the Fair Credit Reporting Act ( FCRA ). Under FCRA 609 ( a ) ( 1 ), I have the right to request the full verification and source of any account reported on my credit file. To date, I have not received any documentation validating the accuracy or ownership of these debts.

Furthermore, according to FCRA 611 ( a ), credit bureaus are required to conduct a reasonable reinvestigation and delete any account that can not be verified within 30 days. Despite initiating disputes, these accounts remain on my report with no proof provided and no meaningful investigation completed

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 2025-08-01 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: IL

Complaint narrative:
am filing this complaint regarding inaccurate and unverified collection accounts currently being reported on my credit file by all three major credit bureaus : TransUnion, Equifax, and Experian. 

The accounts in question are : XXXX XXXX # XXXX Account # XXXX XXXX XXXX XXXX # XXXX {$1200.00} XXXX XXXX XXXX # XXXX {$430.00} These accounts are being reported without proper verification and in violation of my rights under the Fair Credit Reporting Act ( FCRA ). Under FCRA 609 ( a ) ( 1 ), I have the right to request the full verification and source of any account reported on my credit file. To date, I have not received any documentation validating the accuracy or ownership of these debts.

Furthermore, according to FCRA 611 ( a ), credit bureaus are required to conduct a reasonable reinvestigation and delete any account that can not be verified within 30 days. Despite initiating disputes, these accounts remain on my report with no proof provided and no meaningful investigation completed

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-01 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:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

FRAUDULENT ACCOUNTS : Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

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 2025-08-01 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 discovered a suspicious and unauthorized account appearing on my credit report, which I did not open and have never had any affiliation with. This appears to be a clear case of identity theft or clerical error, and its inclusion is severely misrepresenting my financial history.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-01 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:
Upon my recent credit report review, I discovered a late payment notation that does not align with my payment history. I am very concerned about the impact this erroneous entry has on my credit standing, especially since I take my financial responsibilities very seriously.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-01 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: CA

Complaint narrative:
There is an account being reported under my credit file that I did not open, authorize, or approve. I believe this to be a case of identity theft or clerical error, and I want to make it clear that I am not liable for this account.

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 2025-08-01 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: AL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX Al XXXX Date : XXXX XXXX Credence Resource Management [ Credences Address confirm from your credit report or their website ] Subject : Debt Validation Request for Account # [ Insert Account Number if Available ] Dear Credence Resource Management, I am writing to formally dispute the validity of the debt you claim I owe, in accordance with my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g.

I recently obtained a copy of my credit report and noticed a collection account from your company, listed with a balance of {$1400.00}. I do not recognize this debt and request that you provide the following : 1. Verification that I owe the debt, including the name of the original creditor and the original account number.

2. A copy of the original contract or agreement that proves I am legally obligated to pay.

3. An itemized statement showing how the amount of {$1400.00} was calculated.

4. Proof that you are authorized to collect this debt, including documentation of assignment or purchase of the debt.

Until this debt is fully validated, I request that you cease all collection activities and stop reporting this item to any credit bureaus. If you are unable to validate this debt, I expect this account to be deleted from my credit reports with all major bureaus ( XXXX XXXX  and XXXX  ) per the Fair Credit Reporting Act.

Please respond to this request within 30 days of receiving this letter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-01 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: TN

Complaint narrative:
Fraudulent accounts are displayed on my credit reports.

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 2025-08-01 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
I want to get evictions taken off or have them sealed

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-01 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Fl XXXX XXXX XXXX Date : XX/XX/XXXXXXXX Experian XXXX XXXX XXXXXXXX XXXX, TX XXXX Equifax Information Services, LLC XXXX XXXX XXXXXXXX XXXX, GA XXXX TransUnion Consumer Solutions XXXX XXXX XXXX XXXX XXXX, PA XXXX Subject : Formal Identity Theft Dispute and Request to Block Fraudulent Information under 15 U.S.C. 1681c-2 and 1681s-2 To Whom It May Concern : I am writing to formally dispute and request the blocking of fraudulent information from my credit file pursuant to 15 U.S.C. 1681c-2, which requires consumer reporting agencies to block identity theft-related data upon proper notification and documentation. 
1. Fraudulent Account Information Creditor Name : DPT EDXXXX Account Number : [ Insert Full or Partial Account Number ] Date Opened/ Reported : XXXX Creditor Name : XXXX XXXX XXXX Account Number : [ Insert Full or Partial Account Number ] Date Opened/ Reported : [ Insert If Known ] Creditor Name : XXXX Account Number : [ Insert Full or Partial Account Number ] Date Opened/ Reported : [ Insert If Known ] Creditor Name : XXXX XXXX  Account Number : [ Insert Full or Partial Account Number ] Date Opened/ Reported : [ Insert If Known ] Creditor Name : XXXX Account Number : [ Insert Full or Partial Account Number ] Date Opened/ Reported : [ Insert If Known ] Creditor Name : XXXX XXXX Account Number : [ Insert Full or Partial Account Number ] Date Opened/ Reported : [ Insert If Known ] This account was fraudulently opened in my name. I did not authorize or initiate this account, and it is the result of identity theft. 
2. Documentation Included Pursuant to the FCRA requirements, I have enclosed the following documentation : A copy of a government-issued photo ID ( e.g., drivers license ) A utility bill or other proof of current address A copy of the Identity Theft Report, as defined in 15 U.S.C. 1681a ( q ), which I filed with [ Police Department Name or FTC ] A signed statement describing the fraudulent nature of the account 3. Request for Blocking under 1681c-2 In accordance with 15 U.S.C. 1681c-2, I am formally requesting that Equifax : Block all information related to the above-referenced account Prevent this information from appearing in any future credit reports Provide written confirmation once this blocking has been completed 4. Additional Notes If Equifax finds that any part of the request is insufficient, please notify me in writing within the required time frame, stating what additional information is needed. 
Please complete this process and confirm in writing within the 4 business days required by law after receiving this request and documentation. 
Thank you for your immediate attention to this matter. I look forward to your prompt response and resolution. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-01 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:
I am in complete disbelief, as a law-abiding citizen this is incredibly insulting to have my rights as a consumer violated, there are items on my credit report that have resulted from fraud and I never benefited from it. Know that the transactions on this account and its respective charges are all fraudulent. I never benefited from any of them, but rather it did a lot of damage to me. I require you to take action immediately to prevent further harm and fraud to my personal information so, remove all these fraudulent transactions and account from my credit report ASAP.

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 2025-08-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am writing to formally dispute inaccurate information reported on my credit report concerning a charge-off. Below are the details of the account in question : Creditor Name : XXXXXXXX XXXX  Account Number : XXXX Date of Charge-Off : XX/XX/year> It has come to my attention that this charge-off is being reported repeatedly monthly, which is incorrect. According to the Fair Credit Reporting Act ( FCRA ), negative information such as a charge-off should be reported only once, reflecting the date it was charged off.

Under the FCRA, credit reporting agencies are required to ensure the accuracy of the information they provide ( 15 U.S.C. 1681e ( b ) ). The continuous monthly reporting of this charge-off misrepresents my payment history and negatively impacts my credit score.

Furthermore, the statute of limitations for reporting a charge-off is seven years from the date of the initial delinquency that led to the charge-off ( 15 U.S.C. 1681c ( a ) ( 4 ) ). 
Repeatedly reporting this charge-off as a new event each month does not reflect the statute of limitations and is therefore improper. 
I request an immediate investigation into this matter and the correction of my credit report by removing the repeated entries of the charge-off from my payment history. Please update my credit report accordingly and provide written confirmation of these corrections. 
Thank you for your prompt attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-01 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am writing to formally dispute inaccurate information reported on my credit report concerning a charge-off. Below are the details of the account in question : Creditor Name : XXXXXXXX XXXX  Account Number : XXXX Date of Charge-Off : XX/XX/year> It has come to my attention that this charge-off is being reported repeatedly monthly, which is incorrect. According to the Fair Credit Reporting Act ( FCRA ), negative information such as a charge-off should be reported only once, reflecting the date it was charged off.

Under the FCRA, credit reporting agencies are required to ensure the accuracy of the information they provide ( 15 U.S.C. 1681e ( b ) ). The continuous monthly reporting of this charge-off misrepresents my payment history and negatively impacts my credit score.

Furthermore, the statute of limitations for reporting a charge-off is seven years from the date of the initial delinquency that led to the charge-off ( 15 U.S.C. 1681c ( a ) ( 4 ) ). 
Repeatedly reporting this charge-off as a new event each month does not reflect the statute of limitations and is therefore improper. 
I request an immediate investigation into this matter and the correction of my credit report by removing the repeated entries of the charge-off from my payment history. Please update my credit report accordingly and provide written confirmation of these corrections. 
Thank you for your prompt attention to this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have identified serious billing errors under 15 U.S. Code 1666 ( b ) on my credit report, including unverified late payment marks and the creditor 's failure to accurately reflect payments and credits. Despite my prior formal request for evidence substantiating these late marks, the creditor has failed to provide any legally required proof of investigation or verification. Furthermore, the creditor did not issue a proper billing statement at least 21 days before the due date, as mandated by law, rendering any late payment reporting invalid. This blatant disregard for accurate reporting is unacceptable. I demand that these inaccuracies be immediately corrected by updating the items to 'Paid as Agreed ' or removing them entirely 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 explanation
Consumer complaint received 2025-08-01 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: TX

Complaint narrative:
I have identified serious billing errors under 15 U.S. Code 1666 ( b ) on my credit report, including unverified late payment marks and the creditor 's failure to accurately reflect payments and credits. Despite my prior formal request for evidence substantiating these late marks, the creditor has failed to provide any legally required proof of investigation or verification. Furthermore, the creditor did not issue a proper billing statement at least 21 days before the due date, as mandated by law, rendering any late payment reporting invalid. This blatant disregard for accurate reporting is unacceptable. I demand that these inaccuracies be immediately corrected by updating the items to 'Paid as Agreed ' or removing them entirely from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-01 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: GA

Complaint narrative:
I am writing to formally dispute inaccurate information reported on my credit report concerning a charge-off. Below are the details of the account in question : Creditor Name : XXXXXXXX XXXX  Account Number : XXXX Date of Charge-Off : XX/XX/year> It has come to my attention that this charge-off is being reported repeatedly monthly, which is incorrect. According to the Fair Credit Reporting Act ( FCRA ), negative information such as a charge-off should be reported only once, reflecting the date it was charged off.

Under the FCRA, credit reporting agencies are required to ensure the accuracy of the information they provide ( 15 U.S.C. 1681e ( b ) ). The continuous monthly reporting of this charge-off misrepresents my payment history and negatively impacts my credit score.

Furthermore, the statute of limitations for reporting a charge-off is seven years from the date of the initial delinquency that led to the charge-off ( 15 U.S.C. 1681c ( a ) ( 4 ) ). 
Repeatedly reporting this charge-off as a new event each month does not reflect the statute of limitations and is therefore improper. 
I request an immediate investigation into this matter and the correction of my credit report by removing the repeated entries of the charge-off from my payment history. Please update my credit report accordingly and provide written confirmation of these corrections. 
Thank you for your prompt attention to this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-01 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: FL

Complaint narrative:
I am disputing several inaccurate, unverifiable, or unvalidated accounts on my Experian credit report. These include : XXXX XXXX XXXX ( {$2100.00} ) This account was not listed in my XX/XX/year> Experian report but appeared afterward without any notice or validation. I was not informed of the debt and have received no documentation. 
XXXX XXXX XXXX XXXX ( {$1200.00} for XXXX ) I previously disputed this item. It remains on my report without proper validation or supporting documentation. The collector never responded to my dispute and continues to report it. 
XXXX XXXX ( {$560.00} ) Charged off but previously disputed with no investigation. This debt has not been verified and appears to have been re-aged and retained without any evidence. 
XXXX  XXXX ( {$1200.00} ) Charged off after 15 months of delinquency, which I disputed. Experian continues to report the account with a balance despite closure and prior dispute. 
XXXX ( {$410.00} ) I submitted a consumer statement saying payments were made under a negotiated plan. The account was charged off anyway and remains inaccurately reported. 
XXXX XXXX ( {$28000.00} auto loan ) Reporting a balance higher than the original loan and ongoing late payments. This account is also under dispute and part of a separate complaint involving auto loan fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-01 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: FL

Complaint narrative:
I am disputing several inaccurate, unverifiable, or unvalidated accounts on my Experian credit report. These include : XXXX XXXX XXXX ( {$2100.00} ) This account was not listed in my XX/XX/year> Experian report but appeared afterward without any notice or validation. I was not informed of the debt and have received no documentation. 
XXXX XXXX XXXX XXXX ( {$1200.00} for XXXX ) I previously disputed this item. It remains on my report without proper validation or supporting documentation. The collector never responded to my dispute and continues to report it. 
XXXX XXXX ( {$560.00} ) Charged off but previously disputed with no investigation. This debt has not been verified and appears to have been re-aged and retained without any evidence. 
XXXX  XXXX ( {$1200.00} ) Charged off after 15 months of delinquency, which I disputed. Experian continues to report the account with a balance despite closure and prior dispute. 
XXXX ( {$410.00} ) I submitted a consumer statement saying payments were made under a negotiated plan. The account was charged off anyway and remains inaccurately reported. 
XXXX XXXX ( {$28000.00} auto loan ) Reporting a balance higher than the original loan and ongoing late payments. This account is also under dispute and part of a separate complaint involving auto loan fraud.

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