vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-13 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: LA

Complaint narrative:
Experian and Equifax has failed to fulfill its legal obligation under the Fair Credit R Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian and Equifax, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian and Equifax has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian and Equifax inaction violates federal law and my rights as a consumer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-13 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: LA

Complaint narrative:
Experian and Equifax has failed to fulfill its legal obligation under the Fair Credit R Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian and Equifax, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian and Equifax has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian and Equifax inaction violates federal law and my rights as a consumer.

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 2025-08-13 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: FL

Complaint narrative:
I recently reviewed my credit report and noticed fraudulent activity.

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 2025-08-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
I am reporting unauthorized credit inquiries on my credit report, made without my knowledge or consent. I had no dealings with the companies listed and did not authorize access to my credit file, which violates FCRA 1681b. This may be linked to identity theft. Ive filed an FTC Identity Theft Report and request a proper resolution. 
Unauthorized inquiries to be removed : XXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2025-08-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: WA

Complaint narrative:
In XXXX of XXXX, I submitted a rental application to XXXX XXXX XXXX XXXX ( a XXXX-managed property ). I was explicitly told by the property that if I came in and completed a paper application, I would not owe any application fees or other charges. 

I never signed a lease, never took possession of a unit, and never resided at the property. At no point was I informed that failing to move in would make me responsible for any fees, nor have I ever received any documentation or proof showing that I legally owe a balance. 

Recently, I have been in contact with Columbia Debt Collection Agency, who claimed I owe a balance related to this application. When I requested validation, the agency failed to provide any itemized statement, signed agreement, or evidence of a valid debt. They stated that the matter is between them and XXXX. 

Additionally, the collection agency and the property management have given different and conflicting reasons for the alleged debt, demonstrating a lack of evidence and consistency. This alleged balance stems solely from an application not from any tenancy or occupancy and there is no proof or documentation supporting their claims. 

Any reporting of this alleged debt to credit bureaus would be inaccurate and in violation of the Fair Credit Reporting Act ( FCRA ). The attempt to collect is also likely a violation of the Fair Debt Collection Practices Act ( FDCPA ) because it is based on an unverified and unfounded claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-13 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: Global Lending Services LLC
State: GA

Complaint narrative:
On XX/XX/year>, I learned that Global Lending Service is attempting to collect and/or report an account ( XXXX. XXXXXXXX XXXX XXXX XXXX XXXX  ) that is not mine. I have never opened, authorized, or been associated with this account. 

I disputed the account in writing on XX/XX/year>, requesting full validation as required under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g ( b ), including a signed contract and payment history. Instead of ceasing collection as required, the company continued its collection activity and/or continued furnishing this account to credit reporting agencies. 

This is a violation of the FDCPA ( failure to cease collection pending validation ) and the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2 ( a ) ( furnishing inaccurate information after notice of dispute ). It is also a violation of CFPB Regulation V ( 12 C.F.R. 1022 ), which requires reasonable procedures to ensure accuracy of furnished information. 

I have never received any contract, signature, or evidence tying me to this account. I am requesting that the CFPB require Global Lending Service to immediately : Cease all collection efforts on this account. 

Permanently delete this account from all consumer reporting agencies ( XXXX XXXX XXXX XXXX ). 

Provide written confirmation of deletion. 

I am attaching my cease and desist/dispute letter, sent via certified mail, and proof of delivery.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
1. These entries are no longer connected to my present credit file or current identity.

2. Their continued reporting increases the risk of misattribution, where accounts or derogatory data that do not belong to me could be linked through these obsolete identifiers.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-13 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: VA

Complaint narrative:
1. These entries are no longer connected to my present credit file or current identity.

2. Their continued reporting increases the risk of misattribution, where accounts or derogatory data that do not belong to me could be linked through these obsolete identifiers.

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 2025-08-13 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 recently reviewed a copy of my credit report and identified several accounts that appear to be fraudulent. These accounts were not opened or authorized by me and are negatively impacting my creditworthiness. 

I respectfully request that these fraudulent accounts be investigated and removed from my credit report as soon as possible. 

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 2025-08-13 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: DC

Complaint narrative:
You have reported or continue to report the following item ( s ) without ensuring maximum possible accuracy, as required by 15 U.S.C. 1681e ( b ), and without providing verifiable documentation of my authorization or liability : Item ( s ) in Dispute : [ List account name, account number, or inquiry details ] Under 15 U.S.C. 1681i, you are required to reinvestigate disputed information and delete or correct it within the statutory timeframe. Your failure to properly investigate and/or remove the inaccurate item ( s ) constitutes negligent noncompliance with the FCRA, making you liable under 15 U.S.C. 1681o for : Actual damages sustained by me as a result of this negligence ;

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-13 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 don't recognize these hard inquiries on my credit report : XXXX XXXX - XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
On XX/XX/year> I disputed a {$10000.00} charge from XXXX XXXX, an attorney for legal services that were never delivered. I hired him for trial preparation and representation. He performed no substantive work : no filings, no exhibits, no legal strategy, and no motions. Despite my documented evidence of non-performance, Chase denied my dispute based solely on the merchants unverified bullet-point claims. 

Chase never requested supporting documentation from the merchant ( e.g., filings, exhibits, proof of work ), ignored my phone and email records proving I initiated all strategy calls, and disregarded objective court docket evidence showing no trial preparation occurred until a new attorney took over. 

Regulation Z / FCBA violations ( 12 CFR 1026.13, 15 U.S.C. 1666 ) : Failure to conduct a reasonable investigation. 

Reliance solely on unverified merchant statements. 

Failure to consider all evidence provided by the cardholder. 

Closing the matter without reviewing new documentation after voluntarily reopening the dispute on XXXX XXXX, XXXX. 

UDAAP violations ( 12 U.S.C. 5531, 5536 ) : Unfair : Upholding a {$10000.00} charge for undelivered services. 

Deceptive : Presenting the investigation as impartial while ignoring material evidence. 

Abusive : Giving greater weight to a merchant Chase is actively suing in another matter. 

On XXXX XXXX, XXXX, after Chase initially refused to reopen the dispute, I stated my intent to involve the CFPB and AG. Minutes later, Chase reopened it but closed it within 24 hours without requesting my promised rebuttal and exhibits a bad faith action inconsistent with Regulation Z. 

I have a detailed 100+ page evidentiary package, including court dockets, call records, emails, and exhibits, showing both the merchants non-performance and Chases mishandling. I request that CFPB require Chase to reverse the charge and comply with federal dispute resolution requirements.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-13 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the Equifax credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : ACCOUNTS : BANKRUPTCY - Account Number : XXXX XXXX XXXXXXXX, Date Opened : XX/XX/year>, Balance : {$0.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, XXXX as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-13 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: PR

Complaint narrative:
According to the Fair Credit Reporting Act, account XXXX XXXX  XXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXX has violated my rights, This account is listed as a charged off account. Please provide me with a copy of the contract signed or voice conversation where I authorized billing me on this account. If not you must remove this from my credit according to the Fair Credit Reporting Act. According to the Fair Credit Reporting Act, account XXXX XXXX  XXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXX has violated my rights, This account is listed with late payments. Please provide me with a copy of the contract signed or voice conversation where I authorized billing me on this account. If not you must remove this from my credit according to the Fair Credit Reporting Act. According to the Fair Credit Reporting Act, account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights, This account is listed with late payments. Please provide me with a copy of the contract signed or voice conversation where I authorized billing me on this account. If not you must remove this from my credit according to the Fair Credit Reporting Act. Title 15 of the United States Code, Section 602 A, states that I have the right to privacy Title 15 of the United States Code, Section 604 A, Section 2 : Also states that the credit reporting agency may not provide an account without my written instructions

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 2025-08-13 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: FL

Complaint narrative:
I don't recognize these hard inquiries on my credit report : XXXX XXXX - XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-13 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 don't recognize these hard inquiries on my credit report : XXXX XXXX - XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-13 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:
These credit inquiries are unfamiliar and unapproved by me. I ask that they be erased from my report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-13 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Paramount GR Holdings, LLC
State: GA

Complaint narrative:
A salesman came to my home selling solar panels. After listening to his pitch ( lower or no power bill, rebate from power company that will cover the cost of loan payment to finance purchase ), i agreed to it. Installation day came and went. Couldn't get them installed because it was raining in florida. l live in georgia and it was sunny that day. Because of the delayed installation I let XXXX know I did not want to proceed with it and to cancel everything. They had XXXX XXXX XXXX call me until I agreed to proceed with install. Finally got them installed and never once saw my power bill change. In fact, it went up. I got the panels XX/XX/XXXX. In XX/XX/XXXX I received notice the solar company ( XXXX XXXX ) went bankrupt. So my warranty is gone. I would have to pay someone to check them and fix any issues. My warranty with XXXX was supposed to cover those expenses. I live check to check and have 2 teen boys that eat like its going out of style ; i can't afford to pay the finance company ( XXXX ) and live at the same time. XXXX is harassing right now because I missed ONE payment. They have received payments on time for 13 months. My husband had a change in finances and is making less. I don't think it's right XXXX is threatening to ruin my credit and take other legal actions for that missed payment. It's wrong that I have to pay for a product that doesn't work. I told them they could repo them since they don't seem to be working. They don't reposses used goods is what I was told. They said they have nothing at all to do with XXXX XXXX but they're lying.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-13 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:
In accordance with the Fair credit Reporting Act, the following accounts listed in the attachments have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I would like to assert that no permissible purpose under 15 USC 1681b ( 2 ) has been established and under the Fair Credit Reporting Act this must be established. 

15 U.S.C 6802 ( a ) A financial institution may not, directly or through any affiliate, disclose to a non affiliated third party any nonpublic personal information. 15 U.S.C 6802 ( b ) ( 1 ) A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C section 604 A Section 2 : States a consumer reporting agency can not furnish an account without my written instructions. 

15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than 7 years. 

15 U.S.C 1666b ( a ) Time to make payments, A credit may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose 15 U.S.C 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

15 U.S. Code 1681i ) : You have the right to dispute any information on your credit report that is inaccurate, incomplete, outdated, or unverifiable.

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