vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-01 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: LA

Complaint narrative:
I am a victim of identity theft multiple fraudulent accounts were opened in my name without my knowledge or consent. These accounts are now appearing on my Equifax credit report. 

On XX/XX/year>, I submitted a formal written request to Equifax under 15 U.S.C. 1681c-2 to block and remove the fraudulent accounts. I included my FTC Identity Theft Report, a copy of my government-issued ID, proof of current address, and a detailed list identifying each fraudulent account. 

The accounts I requested Equifax to block and remove are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX accounts ) XXXX XXXX XXXX  ( XXXX accounts XXXX XXXX XXXX XXXX XXXX XXXX Under federal law, Equifax is required to block this information within XXXX business days after receiving the required documents. As of today, Equifax has not removed the fraudulent data, nor have they provided any meaningful updates or resolution. 

I am requesting that the CFPB ensure Equifax fully complies with its legal obligations under the Fair Credit Reporting Act and permanently removes the identity theft-related accounts from my credit file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc
State: TX

Complaint narrative:
Complaint Summary to Submit : Subject : Mishandled Dispute & Identity Theft Chime Bank My name is XXXX XXXX. Between XXXX XXXX XXXX, my Chime account was impacted by unauthorized transactions due to identity theft. 

I contacted Chime support over XXXX times, submitted a police report, and provided all requested documentationincluding proof of identity theft and my funds. Despite this, Chime denied all of my disputes without providing a clear explanation. 

Their lack of response and unwillingness to assist has caused significant financial and emotional distress. I am requesting : A full review of my case and documents Reimbursement for all unauthorized transactions A written explanation for the dispute denial I am seeking accountability and protection from further harm.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-01 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: NY

Complaint narrative:
After reviewing my credit report I noticed a fraudulent account, please investigate and remove this account from my credit report. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-01 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: CA

Complaint narrative:
I did not consent to authorize nor benefit from he following account ( s ). Block and Remove!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-01 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 am writing to formally dispute a hard inquiry that appears on my credit report. I have never applied for credit, financing, or services from the entity that initiated this inquiry, nor have I ever maintained a business relationship with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-01 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: PA

Complaint narrative:
TransUnion is knowingly and willfully retaining accounts that were legally deleted by the furnishers nearly XXXX months ago. Equifax removed all accounts tied to my file beginning XX/XX/year>, in accordance with FCRA law. Under 15 U.S.C. 1681s-2 ( a ) ( 2 ), furnishers are required to notify all three credit bureaus when accounts are deleted. TransUnion has refused to comply. 

This is not a dispute. This is not a question of identity. This is about corporate misconduct and intentional data retention. TransUnion is knowingly maintaining accounts tied to a corrupted fileone that includes false names, addresses, and backend manipulationeven after the same furnishers removed those accounts from Equifax. There is no legal excuse for that. 

Experian, in contrast, falsely claimed that the furnishers certified the accounts were accurate. If that were true, why did Equifax delete everything? The only way Experian could receive a certification is if the wrong name or identity was used to match the recordproving systemic fraud. Either they provided false identity data to the furnisher, or they ignored the deletion notice altogether. TransUnion is using the same tactic. 

Meanwhile, I provided full legal identification, proof of address, and supporting documentationyet TransUnion and Experian continue to ignore all of it and manipulate the record behind the scenes. 

This complaint is to report : Willful violation of FCRA 1681e ( b ), 1681i, and 1681s-2 Retention of accounts that furnishers already deleted False data reporting tied to fraudulent identity assignments Suppression or manipulation of backend records Failure to act in good faith or comply with legal documentation provided I am requesting that the Consumer Financial Protection Bureau fully investigate these violations and hold TransUnion accountable for knowingly reporting false, unverifiable, and legally deleted information. 

This is not a dispute. This is a formal complaint for misconduct and 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 explanation
Consumer complaint received 2025-07-01 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: CA

Complaint narrative:
I am disputing a late payment that is currently being reported on my credit report as " open '' or unresolved. This entry is inaccurate and misleading. I have either already resolved the payment, or I was never late as claimed. The continued reporting of this item as open and delinquent is a violation of the Fair Credit Reporting Act ( FCRA ), particularly 15 U.S.C. 1681e ( b ), which requires consumer reporting agencies to maintain maximum possible accuracy of the information they report.

This misreporting has negatively impacted my credit score and may hinder my ability to obtain credit or employment. I am requesting an immediate investigation into this matter, as well as a correction or deletion of the inaccurate late payment record if it can not be verified.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-01 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: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I was shocked to discover an unauthorized inquiry on my credit report today, and I dont understand why its there. I always monitor my credit report, yet this time, an unfamiliar entry appeared out of nowhere. I even refreshed my browser multiple times, but the issue persisted. This is completely unacceptable, and I need it addressed without delay. I am requesting a thorough review of my submitted documents to ensure this never happens again.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-01 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: MD

Complaint narrative:
I was shocked to discover an unauthorized inquiry on my credit report today, and I dont understand why its there. I always monitor my credit report, yet this time, an unfamiliar entry appeared out of nowhere. I even refreshed my browser multiple times, but the issue persisted. This is completely unacceptable, and I need it addressed without delay. I am requesting a thorough review of my submitted documents to ensure this never happens again.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-01 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:
These accounts were opened without my authorization and should not be on my credit report. I urge you to correct this issue by deleting them.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-01 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: CA

Complaint narrative:
I am disputing a collection account ( # XXXX ) placed by Genesis Collections on behalf of XXXX XXXX XXXX. I was on a month-to-month lease and provided XXXX XXXX with a XXXX notice backdated to XX/XX/XXXX, due to uninhabitable conditions in my unit ( repeated flooding, flea infestations, exposed drywall, prolonged repairs ). Despite this, Genesis charged me for XXXX and XX/XX/XXXX rent. 

On XX/XX/XXXX, I submitted a formal dispute to Genesis requesting a detailed itemization, documentation validating the debt, and confirmation of the specific months the charges applied to, while asking Genesis to cease collection and remove the item from credit reporting during investigation. I also filed disputes with XXXX XXXX XXXX XXXX 

XXXX ( XXXX XXXX XXXX ) acknowledged the dispute but closed it the same business day without reviewing my documentation. They provided only generic line items without documentation proving they had the right to collect rent after my XX/XX/XXXX notice and refused to confirm in writing that the account was marked as disputed with credit bureaus. This collection is harming my credit, blocking my ability to secure housing needed for work relocation, and has caused significant stress despite my good-faith efforts to resolve the matter. I believe Genesiss handling violates FDCPA and FCRA requirements for validation, dispute investigation, and reporting accuracy.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Bread Financial Holdings, Inc.
State: GA

Complaint narrative:
Requesting XXXX099C that was never obtained/recieved for said debt. Debt is reflecting profit loss / written off debt. Debt is reporting inaccurate on report. I am protected under FCRA for inaccurate information about a debt. Requesting All collection activity must cease and desist, including reporting to credit bureaus regarding this debt. DELETE COLLECTION.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-01 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: CA

Complaint narrative:
I have no affiliation with these accounts and suspect them to be fraudulent. I request a comprehensive investigation and their immediate removal from my credit report. Enclosed are supporting documents.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-01 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 am writing to make it unequivocally clear that this complaint is valid and not submitted in error. My credit report contains inaccurate information that fails to meet the legally mandated standard of maximum possible accuracy. These errors are causing serious and ongoing harm to my financial stability and overall well-being. 
This situation is placing an undue burden on me during an already difficult time, and I am requesting your immediate attention to address and resolve the matter without delay.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I am filing this complaint because TransUnion is inaccurately reporting a XXXX XXXX credit card account with an outstanding balance of {$11000.00}, despite the fact that this debt was formally canceled by the creditor. 

XXXX XXXX  issued an IRS Form 1099-C on XX/XX/year>, indicating that the {$11000.00} balance was canceled and no longer owed. This document was reported to the IRS and provided to me, the consumer. 
TransUnion continues to reflect the account as charged off with a balance, which contradicts the cancellation. Reporting a balance on a canceled debt is factually inaccurate and violates 15 U.S.C. 1681e ( b ).

I submitted a dispute and included a copy of the 1099-C, but the information was not corrected. The debt is no longer legally enforceable and should not appear as outstanding.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Radius Global Solutions LLC
State: UT

Complaint narrative:
On XX/XX/year> I called Radius Global Solutions L.L.C and spoke with XXXX. I asked for the purchase agreement between XXXX and XXXX XXXX, a chain of assignment, an insurance claim of the debt, forward flow agreement and to see my wet signature on original debt. 

Array told me they will not provide the purchase agreement.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-01 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: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
Consumer credit rep protection act United States code title 15 chapter 4115 U.S.C.1601 1681C two block of information resulting from my identity theft subsection D exception for resellers portfolio recovery is committing fraud. Someone stole my wallet. Someone stole my information. I did not open this account. They are violating the FCRA. I have contacted the general attorneys office and the Better Business Bureau remove this account immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-01 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: Maximus Federal Services, Inc.
State: CA

Complaint narrative:
A fraudulent federal education loan was opened in my name in XX/XX/XXXX. I did not apply for this loan, did not attend school, and have not received or benefited from any funds. I have been out of school for over XXXX XXXX 

This loan, labeled a XXXX XXXX, was closed in XX/XX/XXXX, but is now in collections with a balance of {$940.00} and has been reported as XXXX XXXX past due as of XX/XX/XXXX. 

I only found out about the loan when I reviewed my credit report. I did not sign or authorize any documents related to this account. I am now being asked to prove that I did not take out a loan I never knew existed. Ive begun the Loan Forgery Discharge Application process but am requesting help due to the lack of cooperation and the damaging credit reporting.

I attached a Legal Name change document with my Loan Discharge Application : Forgery. Per the legal name change proof, any documentation created and/or signed in my Maiden Name should have been flagged as fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-01 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: FL

Complaint narrative:
I am submitting a formal complaint regarding inaccurate and unauthorized items appearing on my credit report. I have not received proper validation of this debt. I do not believe the amount is accurate. I request a full investigation and removal of this item if it can not be substantiated with full documentation and proof of ownership XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-07-01 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: IL

Complaint narrative:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-01 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 am writing to formally dispute a late payment reported on my credit report that I believe is inaccurate. Based on my personal records and transaction confirmations, the payment in question was made on or before the due date. This entry appears to be the result of a reporting oversight or processing delay.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-01 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: MA

Complaint narrative:
I recently gained access to my credit report and seen some inaccurate items and information. These errors have caused me great financial distress and im demanding proof of documentation showing permission consent with signature. Please help me in removing deleting these fraudulent accounts off of my report : GOVERNMENT EMPLOYEES IN. - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DATE OPENED : XX/XX/XXXX - BAL OWED : {$0.00}, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - DATE OPENED : XX/XX/XXXX BAL OWED : {$0.00}, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  DATE OPENED : XX/XX/XXXX - BAL OWED : {$7700.00} ; fraudulent inquiries off of my report : XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX 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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with explanation