vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-27 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: FL

Complaint narrative:
I was a victim of identity theft. There are inquiries on my Transunion credit report that are fraudulent and do not belong to me. I've already filed an FTC report. The inquiries are 1. XXXX - XXXX XXXX, 2025 2. XXXX - XX/XX/year>2025 2025

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 2025-08-27 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
I called the company and asked them to provide the original debt with my signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-27 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: IL

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 4 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 30 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. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

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 2025-08-27 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: IL

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 4 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 30 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. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-27 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: NV

Complaint narrative:
I am submitting this complaint to the Consumer Financial Protection Bureau ( CFPB ) and XXXX to request immediate investigation and correction of inaccurate and misleading information reported on my credit file. The inaccuracies are affecting my creditworthiness and causing financial harm. Below are the detailed items requiring correction, along with the relevant laws violated and my account history. 

Address : XXXX XXXX XXXX XXXX XXXX, TX XXXX Law : FCRA Section 611 ( a ) Right to Dispute Inaccurate Information Issue : This address is not mine and has never been associated with me. Reporting this address is inaccurate and misleading.

Story : I have never lived, rented, or had any financial or personal accounts associated with XXXX XXXX XXXX XXXX, XXXX, TX. Its presence on my credit report is incorrect and may have contributed to mistaken identity or inaccurate credit scoring. I request immediate verification and removal of this address from my credit file. 

Address : XXXXXXXX XXXX XXXX XXXXXXXX XXXX, TX XXXX Law : FCRA Section 611 ( a ) Duty to Reinvestigate Disputed Information Issue : This address is incorrectly reported on my credit file.

Story : I have no history of residence, billing, or transactions at XXXX XXXX XXXX XXXX XXXX XXXX, TX. Including this address in my credit report is a clear inaccuracy. I request that the bureau reinvestigate and delete this wrong address promptly. 

Account : XXXX XXXX Date Opened : XX/XX/year>2020 High Balance : {$720.00} Law : FCRA Section 609 ( a ) ( 1 ) & Section 611 ( a ) Right to Obtain Verification of Account Accuracy and Dispute Inaccurate Items Issue : Late payment reported inaccurately.

Story : This accounts late payment is not accurate based on my records. I have consistently made timely payments, and reporting a late payment is misleading and harms my creditworthiness. I request that the bureau obtain proper verification from the creditor, and if they can not validate the late payment, it must be removed immediately. 

I request the CFPB and XXXX to ensure that all the above inaccuracies are promptly corrected, all false addresses deleted, and inaccurate late payments removed. This inaccurate reporting violates my rights under the FCRA and is causing real financial harm. I am requesting written confirmation once these corrections have been made and immediate notification to all parties that received the 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 explanation
Consumer complaint received 2025-08-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Private mortgage insurance (PMI)
Company: Valon Technologies, Inc.
State: IL

Complaint narrative:
In XXXX, my mortgage loan balance fell below 78 % of the original property value ( {$480000.00} ), which should have triggered automatic termination of PMI under the Homeowners Protection Act ( HPA ), assuming payments are currentwhich they were. Despite this, PMI premiums continued to be charged and collected until XX/XX/XXXX, when I formally requested cancellation. I contacted the mortgage servicer and provided all relevant documentation and legal references, but the company refused to issue a refund. They claimed that prepayments do not accelerate the auto-termination date, which contradicts 12 U.S.C. 4902 ( b ). The premiums collected after XX/XX/XXXX were improper and in violation of federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-27 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: TX

Complaint narrative:
I recently pulled my credit report and noticed multiple fraudulent inquiries that I have no knowledge of. These inquiries need to be removed immediately. This is one of many attempts to remove these unauthorized inquiries. Please help me get these take care of immediately. XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/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 2025-08-27 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: TX

Complaint narrative:
I recently pulled my credit report and noticed multiple fraudulent inquiries that I have no knowledge of. These inquiries need to be removed immediately. This is one of many attempts to remove these unauthorized inquiries. Please help me get these take care of immediately. XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-27 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:
I am filing this complaint against XXXX XXXX XXXX XXXX for furnishing materially false and conflicting information regarding my XXXX of the XXXX XXXX XXXX Credit Card account across all three credit bureaus. 
Equifax : Continues to report the account as Open with Collection/Charge-Off, refreshing derogatory notations in XXXX, XXXX, XXXX XXXX, and XXXX XXXX. Equifax also shows XXXX, XXXX, XXXX, and XXXX lates long after the account was settled in XX/XX/XXXX. 
Experian : XXXX the account as XXXX, XXXX, but includes duplicate charge-off entries in XX/XX/XXXX and XX/XX/XXXX, followed by an inaccurate delinquency sequence. 
TransUnion : Reports the account as Closed, Charge-Off but refuses to update it to reflect Closed {$0.00} Balance Closed XX/XX/XXXX. 

This conduct violates multiple provisions of the FCRA including 15 U.S.C. 1681e ( b ) ( accuracy ), 1681i ( failure to correct after dispute ), and 1681s-2 ( b ) ( furnisher duties ). It also violates the FDCPA ( false representation of settled debt ), Metro 2 standards ( prohibiting duplicate charge-offs and post-charge-off delinquencies ), and state consumer protection laws ( Florida FDUTPA and Massachusetts XXXX XXXX XXXX XXXX ). 

I have attached a formal demand letter that was sent to XXXX executives and legal counsel. This letter provides full details, cites controlling case law ( XXXX XXXX TransUnion, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX Equifax ) XXXX and demands immediate deletion or correction.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-27 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: FL

Complaint narrative:
I am filing this complaint against XXXX XXXX XXXX XXXX for furnishing materially false and conflicting information regarding my XXXX of the XXXX XXXX XXXX Credit Card account across all three credit bureaus. 
Equifax : Continues to report the account as Open with Collection/Charge-Off, refreshing derogatory notations in XXXX, XXXX, XXXX XXXX, and XXXX XXXX. Equifax also shows XXXX, XXXX, XXXX, and XXXX lates long after the account was settled in XX/XX/XXXX. 
Experian : XXXX the account as XXXX, XXXX, but includes duplicate charge-off entries in XX/XX/XXXX and XX/XX/XXXX, followed by an inaccurate delinquency sequence. 
TransUnion : Reports the account as Closed, Charge-Off but refuses to update it to reflect Closed {$0.00} Balance Closed XX/XX/XXXX. 

This conduct violates multiple provisions of the FCRA including 15 U.S.C. 1681e ( b ) ( accuracy ), 1681i ( failure to correct after dispute ), and 1681s-2 ( b ) ( furnisher duties ). It also violates the FDCPA ( false representation of settled debt ), Metro 2 standards ( prohibiting duplicate charge-offs and post-charge-off delinquencies ), and state consumer protection laws ( Florida FDUTPA and Massachusetts XXXX XXXX XXXX XXXX ). 

I have attached a formal demand letter that was sent to XXXX executives and legal counsel. This letter provides full details, cites controlling case law ( XXXX XXXX TransUnion, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX Equifax ) XXXX and demands immediate deletion or correction.

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 2025-08-27 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 XX/XX/year> Credence Resource Management , LLC XXXX XXXX XXXX, XXXX XXXX XXXX, TX XXXX Re : Request for Removal of Collection Account from Credit Report To Whom It May Concern, I am writing regarding the above-referenced account that Credence Resource Management has reported to the credit bureaus. I respectfully request that you remove this collection account from my credit report.

While I do not acknowledge responsibility for the validity of this debt, I am concerned about the negative impact it is having on my credit profile. Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute and request verification of any reported information. If this debt can not be fully verified with complete documentation proving its validity and ownership, I request its immediate deletion from all credit reporting agencies.

Additionally, even if the debt is valid, I ask that Credence Resource Management consider removing this account from my credit reports as a gesture of goodwill. I am committed to maintaining good financial standing, and the continued reporting of this account is not an accurate reflection of my current responsibility.

Please confirm in writing that this account will be removed from my credit file with all three credit bureaus ( XXXX XXXX and XXXX ).

Thank you for your time and prompt attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-27 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
In XX/XX/XXXX, I opened an auto lease account with XXXX XXXX XXXXXXXX XXXX XXXXXXXX. The account was eventually charged off, with a reported balance of {$7500.00}. I believe this was in error. I was making payments, and the account was later incorrectly reported as past due. The account status shows it as charged off and past due as of XX/XX/XXXX. I have attempted to resolve this with the company but have not received a satisfactory response. I am requesting that this account be reviewed and corrected as appropriate. 
Account opened : XX/XX/XXXX Charged off amount : {$7500.00} Last reported past due : XX/XX/XXXX I have contacted XXXX XXXX XXXX XXXX XXXX to dispute or clarify the status of this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am respectfully requesting a review of the late payment currently being reported on my credit file as open or unresolved, as I believe this information to be inaccurate and misleading. This reporting is factually inaccurate and materially misleading. The payment in question has either been fully resolved, or I was never late as alleged. The continued reporting of this item as delinquent constitutes a violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681e ( b ), which mandates consumer reporting agencies to ensure the maximum possible accuracy of the information furnished. The presence of this inaccurate entry has directly harmed my credit standing, resulting in adverse effects on my credit score and potentially impeding future opportunities related to credit, housing, and employment. Accordingly, I demand a full investigation of this matter, and if the late payment can not be conclusively verified as accurate and timely, it must be immediately corrected or permanently deleted from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-27 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: TX

Complaint narrative:
I am filing this complaint because the consumer reporting agency is willfully and negligently violating the Fair Credit Reporting Act ( FCRA ) by continuing to report fraudulent accounts and unauthorized inquiries that resulted from a data breach. Despite my submission of a formal dispute under Section XXXX [ XXXX XXXX. XXXX ] with a sworn affidavit and proof of identity, the agency has failed to block or delete the disputed items within the required XXXX business days. Additionally, the agency has not provided any verifiable proof bearing my signature or electronic signature, as required under Section XXXX [ XXXX U.S.C. XXXX ], to justify the permissible purpose of these inquiries. These actions violate my consumer 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 explanation
Consumer complaint received 2025-08-27 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: CT

Complaint narrative:
I am formally disputing the accuracy of the information reported on my credit file regarding an account from XXXX XXXX, placed with XXXXXXXX XXXX XXXX XXXX XXXX. 

I canceled my internet service with XXXX in XX/XX/year> due to relocating to a new address. Despite my cancellation request, XXXX failed to properly close the account and later sent it to collections. I was forced to pay {$110.00} to the collection agency even though the charges were the result of XXXX error in not canceling services as requested. 

This account should not have been reported as delinquent or sent to collections, as I had fulfilled my obligation to cancel service. The reporting of this collection account is inaccurate, unfair, and damaging to my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-27 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: CT

Complaint narrative:
I am formally disputing the accuracy of the information reported on my credit file regarding an account from XXXX XXXX, placed with XXXXXXXX XXXX XXXX XXXX XXXX. 

I canceled my internet service with XXXX in XX/XX/year> due to relocating to a new address. Despite my cancellation request, XXXX failed to properly close the account and later sent it to collections. I was forced to pay {$110.00} to the collection agency even though the charges were the result of XXXX error in not canceling services as requested. 

This account should not have been reported as delinquent or sent to collections, as I had fulfilled my obligation to cancel service. The reporting of this collection account is inaccurate, unfair, and damaging to my credit profile.

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 2025-08-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I been told twice the account has been closed. After the first time, Citibank ( the credit card company ) paid two charges that came in anyway. 
I've now paid those charges, and the balance should be XXXX. But Citibank refuses to close the account, saying I should " check my next statement ''. 
Because the account is closed, there should be no " next statement ''. Citibank appears to be refusing to close my 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 2025-08-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: DC

Complaint narrative:
I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you. 
XXXXXXXX XXXX XXXXXX/XX/year>, XXXX XX/XX/year>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/year>

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation