vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-07 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: MD

Complaint narrative:
My personal and financial information has been compromised without my authorization. The Family Educational Rights and Privacy Act ( FERPA ) protects the confidentiality of student records. This breach is a clear violation of FERPA and your responsibility to safeguard my information. Given the severity of this breach and the resulting compromise of my personal and financial information, I request that you immediately cancel and discharge my student loan debt in full. 

I did not give access nor was I notified to give access to XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX access to share my personal and/or financial information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I AM FORMALLY REQUESTING THE IMMEDIATE REMOVAL OF THE FRAUDULENT ACCOUNTS CURRENTLY LISTED ON MY CREDIT REPORT. I DID NOT AUTHORIZE THESE ACCOUNTS, AND THEIR INCLUSION REPRESENTS A SERIOUS BREACH OF MY PERSONAL AND FINANCIAL SECURITY. THESE ENTRIES ARE FALSE AND INACCURATE, AND THEIR PRESENCE IS DAMAGING TO THE INTEGRITY OF MY CREDIT FILE. I URGE YOU TO TAKE IMMEDIATE CORRECTIVE ACTION BY PERMANENTLY DELETING THESE ACCOUNTS FROM MY REPORT TO ENSURE ITS ACCURACY, COMPLETENESS, AND COMPLIANCE WITH THE FAIR CREDIT REPORTING ACT ( FCRA ).

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 2025-08-07 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: MN

Complaint narrative:
I am writing in reference to the account listed under my name that you claim has been charged off and is still being pursued for collection. I respectfully request verification of this debt and clarification on the following legal points under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S. Code 1692g, and relevant tax laws.

If this account was charged off by the original creditor, it was likely declared as a loss for tax purposes under IRS regulation 26 U.S. Code 166 ( Bad Debts Deduction ). This indicates the creditor may have received a tax benefit by writing off the debt as uncollectible. If so, I request documentation proving : 1. The amount that was written off ; 2. Whether the original creditor or subsequent owner took a tax deduction ; 3. Whether the debt was forgiven, sold, or transferred. 

A charge-off is an internal accounting movenot a legal judgment. You are still required to validate the debt under the FDCPA, and I assert my right to receive full verification before any further collection attempts continue. 

Additionally, if the debt was sold, I request the legal contract showing your ownership and the amount paid. If the debt was forgiven or included in a 1099-C tax cancellation notice, I request documentation of that as well, which may indicate the debt is no longer legally collectible. 

Please cease all collection activities until full validation has been provided. Continued attempts to collect without verification are a violation of federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am submitting a formal follow up complaint to dispute the current reporting status of a charge-off account that is listed as Profit and Loss Write-Off or Charge-Off on my credit report. I would like to clarify that no IRS Form 1099-C has been issued for this account, indicating that the debt has not been formally forgiven or canceled. According to IRS regulations, if a creditor cancels a debt of {$600.00} or more, they are required to issue a Form 1099-C to both the consumer and the IRS. 
Please remove the following Chargeoff Accounts : XXXX XXXX XXXXXXXX BALANCED {$3100.00} XXXX XXXX XXXX XXXX XXXX BALANCED {$21.00} XXXXXXXX XXXX XXXXXXXX BALANCED {$5.00} XXXX XXXX BALANCED {$2.00} XXXX XXXX XXXX XXXX XXXXXXXX {$6.00} XXXX XXXX XXXX XXXXXXXX XXXX {$11.00} XXXX XXXX XXXX XXXXXXXX BALANCED {$4.00} XXXX XXXX XXXXXXXX XXXX XXXX {$940.00}

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 2025-08-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
In reviewing my credit reports, I discovered multiple accounts and multiple hard inquiries that was fraudulently opened in my name. These accounts include XXXX XXXX XXXXXXXX XXXX  date opened XX/XX/XXXX {$130.00} XXXX XXXX XXXX Account : date opened XX/XX/XXXX {$1900.00} XXXX XXXX Account : date opened XX/XX/XXXX {$37000.00}. Inquiries from XXXX Banking, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX  These are the result of identity theft. I submitted an FTC Identity Theft Report ( Report # XXXX ) and mailed dispute letters to all three credit bureaus XXXX, TransUnion, and XXXX  along with copies of supporting documents ( government-issued ID, social security card, address verification, and breach notification ). Despite providing this evidence, the accounts remain on my credit report, negatively affecting my credit profile. I requested deletion within 4 days under the Fair Credit Reporting Act and have not received a resolution. I am requesting that these accounts be permanently removed and that the companies be held accountable for continuing to report fraudulent information after being notified of the theft.

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 2025-08-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: OneMain Finance Corporation
State: MO

Complaint narrative:
one main showing account of XXXX dollars charged off but they were given a tax credit and they sold the account to another company XXXX XXXX XXXX whom i say that I owe them over XXXX dollars and I don't owe them nothing and the original XXXX got a tax credit and I did not get the 1099 c from neither company that I requested. I paid regional finance off both accounts in full and it is not updated on all three credit bureaus and I have been trying to get all bureaus to update it and they always say that it is correct and it is not it is incorrect. and mariner finance I also paid off in full last year and regional also was paid off in full. I was paying my XXXX XXXX and XXXX account and paid a small amount and lowes closed my account and XXXX chopped my credit down and closed my accounts and I did not know it for a long time until I tried to use it because they were on my account and still is and they charged it off and still had me paying like they were active and showing me behind even though i was paying them and they harass me everyday phone text and email all day everyday driving me crazy. the same thing with one mains credit card.And I have not received any 1099c forms from them and they have received tax credits. IT'S WRITE OFFS AND CHARGE OFFS AND WHAT THEY ARE DOING IS ILLEGAL. PLEASE HELP ME BECAUSE THE CREDIT BUREAUS WON'T AND I HAVE BEEN TRYING TO GET THEIR HELP FOR YEARS AND EVERY MONTH LATELY BECAUSE AM TRYING TO GET A HOUSE AND CAN'T BECAUSE THEY ARE ON THEIR SIDE AND THEY ARE IN THE WRONG PLEASE SEND ME THE 1099 C FOR ALL OF THEM SO THAT I CAN THE INCOME CREDIT I THINK AM SAYING IT CORRECT

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CL Holdings LLC
State: FL

Complaint narrative:
I disputed this account with XXXX  on XX/XX/year>, under the Fair Credit Reporting Act ( FCRA ), requesting validation and a thorough investigation of the information being reported by Jefferson Capital Systems. The company responded, but failed to provide proper documentation proving that the debt is valid, that I am legally responsible, and that the reported details are accurate and complete. 

Despite this, the account remains on my credit report with no sufficient validation, which is a direct violation of FCRA 611 ( 15 U.S.C. 1681i ). This includes the failure to : Provide original account-level documentation upon request Properly investigate and remove inaccurate, unverifiable, or outdated information Cease reporting while under dispute if proper verification is not provided I am requesting immediate deletion of this account from all credit bureaus. Jefferson Capital should not be allowed to report unverifiable or inaccurate debt after being challenged through a formal dispute. 

I am pursuing this through the CFPB because Jefferson Capital has not provided adequate resolution or transparency.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-07 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Happy Money, Inc.
State: AZ

Complaint narrative:
I have been emailing happy money and dealing with XXXX XXXX since early XX/XX/XXXX. Happy money called me on XX/XX/XXXX and happy money sent me a text XX/XX/XXXX at XXXX my time. I have a cease and desist order on the account and its valid to this current date. Happy Money Acknowledged that the order was on the account and they shouldnt have called me. Ive sent demand letter and emails to legal and no response. Ive to be transferred to the dept XXXX and managers basically hang up.Today XX/XX/XXXX. I called in to get account information and to set up a payment to be taken out of my checking account. My account is current and is not XXXX/XXXX/XXXX past due. I spoke to serval reps and they said contact legal. They will not provide a phone number for this dept. Ive emailed legal since XXXX no response. XXXX XXXX stated legal doesnt talk to customers but told me to contact them. XXXX unable to make a payment on this account. Also a representative told myself that I needed to learn XXXX which is disrespectful and discrimination. I have recorded calls of them denying me help on the account and proof of the volitions. 


I have tried to resolve this matter and happy money has declined to resolve this matter professionally.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-07 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:
Dear XXXX XXXX XXXX, This letter serves as an official notice of identity theft, opt-out request, and dispute of fraudulent accounts that have been opened or reported in my name without my knowledge or consent. I am demanding the immediate deletion and cessation of reporting of the following accounts. 
FRAUDULENT ACCOUNTS XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I did not authorize, apply for, sign, or benefit from these accounts. I have filed a report with the Federal Trade Commission ( FTC ) indicating that these are products of identity theft. 
VIOLATIONS OF FEDERAL LAW : The existence and reporting of these accounts are in violation of my rights under : 15 U.S.C. 1681 ( FCRA 602A ) : Right to privacy 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) : No person may furnish false or inaccurate information knowingly 15 U.S.C. 6802 ( GLBA ) : Prohibits sharing of nonpublic personal information without proper disclosure and opt-out 15 U.S.C. 6803 : Requires clear and conspicuous notice of information-sharing practices UCC 1-308 : I reserve my rights under all contracts, agreements, and obligations not voluntarily entered into

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-07 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: RI

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.

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 2025-08-07 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: RI

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-07 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 follow up complaint complaint serves as my sixth and final formal notice regarding the fraudulent account appearing on my credit report, which are a direct result of identity theft. I have previously sent three dispute letters, along with sufficient documentation, but the matter has not yet been resolved.Collection XXXXXXXX XXXX XXXX  Balance Owed : {$1000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY
State: CO

Complaint narrative:
I was called by a person impersonating a Wells Fargo representative. They told me my account was compromised. I checked our bank account and saw fraudulent charges that we didn't make. The person on the phone told me they setup a new account for me and we needed to transfer the current balance of our checking account into the new account using XXXX XXXX. They walked me through all of the steps to do this. As soon as I transferred the money to the new account, I realized it was fraud because it wasn't a Wells Fargo account. We filed a claim with our bank and they are not giving us the money back. We are devastated. The transfer was for {$8000.00}. We contacted Wells Fargo while the charge was still pending. They should have never allowed it to go through. We also had the fraudsters make 4 unauthorized charges totaling around {$500.00} and we didn't get the money back for those either.

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 2025-08-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: HW Holding, Inc
State: IN

Complaint narrative:
A collection agency I dont recognize is reporting a debt on my credit report. Ive never received written notice from this collection agency, nor do I have an agreement with them. I believe this debt is either being misrepresented or was sold/assigned without proper documentation. I want this investigated and removed from my report if unverified.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-07 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:
XXXX XXXX XXXX XXXX XXXX XXXX La XXXX XXXX XXXX Subject : Request to Block Fraudulent Information Under 15 U.S.C. 1681c2 ( FCRA ) To Whom It May Concern, I am writing to formally request that you block certain information on my credit report that is the result of identity theft, in accordance with 15 U.S. Code 1681c2 of the Fair Credit Reporting Act ( FCRA ). I have identified the following fraudulent item ( s ) on my credit report : - Creditor Name-XXXX XXXX - Account Number : XXXX - Date Opened : XX/XX/year> Balance- XXXX - Reason : I did not authorize or open this account. I believe it was opened fraudulently in my name which also has discrepancies in balance and late payment history with each bureau. Enclosed with this letter, I am providing the required documentation : 1. A copy of my government-issued photo ID ( proof of identity ). 2. A copy of a recent utility bill or bank statement ( proof of address ). 3. A copy of my police report or FTC Identity Theft Report. 4. A signed statement declaring that I did not initiate or authorize the listed transaction ( s ) and that they are the result of identity theft. Please initiate a block on the above-mentioned fraudulent information within the 4 business days required by law and confirm in writing once the block is in place. If you need additional information, feel free to contact me at the number or email above. Sincerely, XXXX XXXX XXXX : - Copy of ID - Proof of address - Police/FTC Identity Theft Report - Written statement of fraud - Screenshots of inaccuracy Please verify this account or delete. Verification is not considered Validation.

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 2025-08-07 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've consistently paid on time, so this late payment doesn't seem accurate. Please look into it.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-07 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: NJ

Complaint narrative:
My name is XXXX XXXX XXXX please take note that I am personally writing this complaint. Again, no third party involved. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I am not aware of all of this stuff ; I will have the FTC investigate on 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 2025-08-07 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: NJ

Complaint narrative:
My name is XXXX XXXX XXXX please take note that I am personally writing this complaint. Again, no third party involved. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I am not aware of all of this stuff ; I will have the FTC investigate on this matter.

Company response to consumer: Closed with explanation