vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
Subject : Experian refusing to process identity theft file corrections, refusing supervisor access, hanging up calls. 

Complaint : I am a verified victim of identity theft attempting to correct fraudulent identifying information on my Experian file. 
Experian is refusing to remove fraudulent addresses, refusing to verify my SSN to one profile, and refusing to merge split/suppressed files.

Experian representatives repeatedly refused to transfer me to a supervisor, falsely claimed one would call back in 3 days, then hung up the call when I invoked my rights under FCRA 605B.

Experian is blocking my ability to complete identity theft procedures required under the Fair Credit Reporting Act and FACTA.

I urgently require : Removal of all fraudulent addresses Removal of all incorrect names Identity theft block SSN accuracy verification File merge Lender network refresh Supervisor contact in the Special Handling / Fraud Department I request immediate regulatory intervention.

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 2025-11-24 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: PA

Complaint narrative:
This is my final notice before pursuing legal action regarding the unresolved issues with my credit report. Despite previous communications, the accounts in question remain unresolved and inaccurately reported. You are in breach of multiple federal regulations governing credit reporting. 

Outstanding Compliance Issues :

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 2025-11-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN

Complaint narrative:
I am sending my second complaint transunion and equifax i havent heard from them ask usual. please HELP i cant rent or get a job because both account is been closed since XXXX summer XXXX. when equifax had a data breach ever since. I am struggling to get my credit report. to know what is it on my credit. This has hurt me getting jobs and be able get credit and rent. 
Let you know if we need more information to continue I hope this message finds you well. I am reaching out to seek your assistance regarding an ongoing issue I have been facing with obtaining my credit reports from Equifax, and TransUnion. Since XXXX XXXX. the last the i sent copy of my ID was XXXX I have repeatedly requested my yearly free credit checks, but have not received any response despite my efforts. These companies locked my accounts without my permission, and this made it very hard to know my credit and to have access. I have submitted letters and faxes, accompanied by a copy of my ID, to both credit reporting agencies. Unfortunately, my requests seem to have been overlooked, and I have not been able to access my credit information. Additionally, I've recently learned that both agencies have closed my accounts, further complicating the situation. As I am feeling quite exhausted from this process, I would greatly appreciate any guidance or support you can provide to help resolve this matter. Thank you for your attention to this urgent issue.

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 2025-11-24 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Kriya Capital, LLC
State: CA

Complaint narrative:
CFPB Complaint XXXX XXXX XXXX XXXX I am receiving repeated, unsolicited text messages from a debt collector named Credence Resource Management , LLC attempting to collect an alleged XXXX XXXX XXXX  ; account ending in XXXX. 
I have never received the legally required written notice of this debt as required under the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692g ( a ). 
Instead of mailing the written notice and validation, Credence has been : - Sending repeated text messages- Offering settlement discounts- Providing payment links- Giving deadlines and pressure-based language - Continuing communication without first providing written validation These actions violate multiple sections of the FDCPA : - 1692g ( a ) failure to send written validation notice - 1692g ( b ) continued collection without validating the debt - 1692c ( c ) failure to cease communication - 1692d harassment via repeated texts - 1692e deceptive or misleading collection practices They also violate the California Rosenthal Fair Debt Collection Practices Act ( Civil Code 1788.11, 1788.17 ).

I requested proper debt validation, including : - A copy of the original signed XXXX XXXX XXXX ; contract - Proof of assignment or ownership of the debt - An itemized accounting of the amount - The date of first delinquency - A copy of the written 1692g ( a ) notice they claim to have sent Credence has ignored all of this and continues to send text messages instead of mailing written validation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-24 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: DE

Complaint narrative:
I AM DEMANDING IMMEDIATE DELETION. EVERY PIECE OF DATA EPORTED AGAINST ME MUST BE 100 % COMPLETE, ACCURATE, AND LEGALLY VERIFIED NOT ASSUMED, NOT ESTIMATED, AND CERTAINLY NOT RETAINED WITHOUT DIRECT, PROVABLE EVIDENCE. YOU DO NOT HAVE MY CONSENT TO REPORT ANY DATA IN VIOLATION OF FEDERAL OR STATE LAW. YOU ARE IN BREACH OF COMPLIANCE. UNDER COMMON LAW, I AM FORMALLY DEMANDING DELETION OF ANY AND ALL DEROGATORY OR UNVERIFIED CLAIMS. IF YOU CAN NOT IMMEDIATELY AND UNAMBIGUOUSLY CERTIFY EACH AND EVERY DATA POINT WITH FULL PHYSICAL PROOF, THEN YOU ARE KNOWINGLY VIOLATING MY RIGHTS. FAILURE TO COMPLY IS NOT JUST NEGLIGENCE IT IS INTENTIONAL MISCONDUCT.

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 2025-11-24 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:
I implore you to promptly address this discrepancy on my credit report. I affirm that this account does not belong to me and strongly suspect it to be fraudulent.

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 2025-11-24 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: AL

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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 2025-11-24 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: CA

Complaint narrative:
There are some inaccurate accounts on my consumer report. I've listed in my letter the accounts that were opened fraudulently. 


FRAUDULENT ACCOUNTS : XXXX # XXXX -- -- Opened : XX/XX/XXXX XXXX XXXXXXXX XXXX XXXXXXXX # XXXX -- -- Opened : XX/XX/XXXX UNAUTHORIZED INQUIRIES : Experian XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX EXPERIAN XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-11-24 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: CA

Complaint narrative:
There are some inaccurate accounts on my consumer report. I've listed in my letter the accounts that were opened fraudulently. 


FRAUDULENT ACCOUNTS : XXXX # XXXX -- -- Opened : XX/XX/XXXX XXXX XXXXXXXX XXXX XXXXXXXX # XXXX -- -- Opened : XX/XX/XXXX UNAUTHORIZED INQUIRIES : Experian XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX EXPERIAN XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX XXXX 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 2025-11-24 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: NY

Complaint narrative:
I am disputing the following accounts listed under my name on TransUnion. The information provided is inaccurate and incomplete. Below are the details of the disputed accounts : Charged Off Accounts : XXXX, Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$4400.00} XXXX Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX XXXXccount Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$7600.00} XXXX XXXX, Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$1300.00} XXXX XXXX, Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$10000.00} XXXX XXXX XXXX, Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$710.00} XXXX XXXX, Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$2800.00} XXXXXXXX XXXX Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$7100.00} XXXX Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$650.00} Late Payments : XXXX XXXXXXXX, 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 non-monetary relief
Consumer complaint received 2025-11-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the 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 2025-11-24 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: NY

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Collection Management Holdings, LLC
State: TX

Complaint narrative:
COL LECTION MANAGEMENT is falsely reporting on my credit. I have never had any accounts with them. Per my research COLLECTION MANAGEMENT is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
Resurgent Capital Services / LVNV Funding has placed an unauthorized, fraudulent collection account on my consumer report. I have no contractual relationship with this company and no valid agreement, signature, application, or original account documentation linking me to this alleged debt. 
I am disputing this account as fraudulent, inaccurate, and unauthorized under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Under federal law, a data furnisher reporting disputed information must conduct a lawful reinvestigation and delete any item that can not be verified with competent evidence within the required 4 business days after receiving notice of dispute via the CRAs ACDV system. 
LVNV Funding / Resurgent has failed to validate, verify, or provide proof of any consumer contract, promissory note, or legally binding agreement. They continue reporting this account without producing the legally required evidence. This constitutes : Furnishing inaccurate information FCRA 623 ( a ) ( 1 ) ( A ) Failure to investigate and correct or delete unverifiable data FCRA 623 ( a ) ( 1 ) ( D ) Failure to provide validation of a debt FDCPA 809 ( a ) Continuing collection activity without validation FDCPA 809 ( b ) I am requesting : 1. Immediate removal of the fraudulent LVNV/Resurgent account from all consumer reports ( XXXX XXXX XXXX ) .

2. Written confirmation that this account has been permanently deleted. 
XXXX. Investigation into LVNV/Resurgent for ongoing violations of the FCRA and FDCPA.

This company is reporting a debt that does not belong to me, can not be verified, and has no lawful basis to appear on my report. I am requesting full deletion of this fraudulent account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-24 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: AZ

Complaint narrative:
I submitted a formal written dispute to the credit reporting agency regarding inaccurate and/or unverifiable information appearing on my credit report. According to 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), the credit reporting agency is required to conduct a reasonable reinvestigation of the disputed items and provide the results within 30 days of receiving the dispute.

It has been over 30 days since my dispute was received, yet the agency failed to provide the required reinvestigation results or any written notice explaining a delay. This constitutes a direct violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i.

Additionally, I have reason to believe my nonpublic personal information was accessed, shared, or used without proper authorization or disclosure, in violation of the Gramm-Leach-Bliley Act ( GLBA ), 15 U.S.C. 6802, which governs obligations with respect to the disclosure of personal information. I was not provided with a clear privacy notice, nor given the option to opt out of sharing my data with third parties. This further supports my claim that my consumer rights under federal law have been violated.

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 2025-11-24 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Collection Attorneys USA LLC
State: AL

Complaint narrative:
On XX/XX/year> someone with this company called myself, my mother, and other relatives accounting as though they had been hired by the county I reside in to find me. They stated they would contact my place of employment and told my mother they were going to come to her home and search it looking for me. I spoke with someone at a different number that was left on my voicemail for me to call back and tried to setup a payment plan. My bank account is currently overdrawn and they tried to auto draft a payment today which did not draft due to being overdrawn. I have been in a financial hardship for months due to the state of the economy and my spouse being on XXXX for a work related XXXX. When this payment did not draft out the same employee began calling my phone again and claiming he had been hired by the county to find me. I know this is not true because I am affiliated with XXXX XXXXXXXX XXXX XXXX XXXX  and XXXX XXXX offices. If the county was looking for me they would not have any trouble finding me considering most of the XXXX  are at my home every XXXX. They definitely would not need to call and threaten my mother to find me. They also did not know my correct gender.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-24 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: TX

Complaint narrative:
My credit reports contain inaccuracies that are leading creditors to deny me credit. As it is your responsibility to ensure the information reported about consumers is accurate, I request that you investigate these accounts and inquiries. Please update them as necessary to prevent potential legal action in the future.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-24 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:
My credit reports contain inaccuracies that are leading creditors to deny me credit. As it is your responsibility to ensure the information reported about consumers is accurate, I request that you investigate these accounts and inquiries. Please update them as necessary to prevent potential legal action in the future.

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