vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-24 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: TX

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the TransUnion 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 : INQUIRIES : 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 Balance : {$590.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer XXXX 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, as proof from the XXXX 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 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 2025-09-24 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Advance America, Cash Advance Centers, Inc.
State: FL

Complaint narrative:
When checking my credit report file as I do weekly, I found that Central Portfolio Control XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, MN XXXX phone XXXX reported a fraudulent collection on my file. It is reflected as a XXXX XXXX loan from Advance America dating back to XX/XX/XXXX. It is in the amount of {$220.00}. This same collection was placed on my report back in XXXX and was determined invalid and fraudulent. It was removed immediately from my record, and my XXXX XXXX was reinstated back to what it was before the fraudulent collection was placed. I am repeatedly having to respond to several collection agencies that Advance America continues to sell the account to for their collecting. It is a fraudulent account created by Advance America to continue to sell to other collection agencies. I have never requested a pay advance loan and have never owed Advance America for a loan. I would think this action on the behalf of Advance America and the many collection agencies is illegal and unethical.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-24 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: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
AMERICAN EXPRESS CARD IS ID THEFT ACCOUNT I DONT HAVE A XXXX XXXX XXXX XXXX ACCOUNT

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-24 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: LA

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 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 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 2025-09-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: GA

Complaint narrative:
XXXXXXXX XXXX  AND JEFFERSON CAPITAL SYST is falsely reporting on my credit. I have never had any accounts with them. Per my research XXXX XXXX XXXX JEFFERSON CAPITAL SYST is a debt collector. They are falsely reporting on my credit!! Account number is XXXX AND XXXX 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 2025-09-24 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: NY

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the Experian 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 : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>, Balance : {$9700.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer XXXX 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, as proof from the XXXX 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 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 2025-09-24 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: GA

Complaint narrative:
Please see the attached file. I am addressing the issue of noncompliance regarding my consumer report. Items have been included without my authorization, which is a violation of my privacy.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Tenaglia & Hunt, PA
State: NJ

Complaint narrative:
A lawsuit was filed against me in XXXX. As the Defendant, I requested the original signed contract or agreement that allegedly created the debt with XXXX XXXX. 
The Plaintiff has failed to provide the original contract or any admissible evidence of an agreement. Instead, the Plaintiff submitted only bank statements, which do not constitute a valid contract or proof of liability. In XXXX, the Plaintiff filed additional documents and improperly requested that I not appear in court. Despite my request for debt validation, the Plaintiff continues to refuse to provide the original contract or other sufficient proof.

Subsequently, my account was levied. I was not properly notified of the court dates or hearings, which deprived me of the opportunity to appear and defend myself.

Furthermore, the alleged debt was charged off and purchased by the collection agency. Under IRS regulations, the original creditor or purchaser of the debt should issue a Form 1099-C for cancellation of debt income if applicable.

According to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g ( Section 809 ), a debt collector must provide proper validation of the debt upon request. The Plaintiff has failed to meet this statutory requirement. 

Respectfully submitted, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I submitted a dispute to you regarding multiple inaccuracies on my credit report, including incorrect personal information ( name, addresses ) and multiple inaccurate account entries. Despite providing supporting documents, such as my driver 's license, proof of address, and social security card, you have failed to correct these errors. These inaccuracies impact my credit standing and violate the Fair Credit Reporting Act ( FCRA ), which requires credit bureaus to ensure maximum possible accuracy. Additionally, some of these accounts may involve debts that should have been reported differently under 1099-C tax laws. I formally requested verification and removal of these items, but you have not taken appropriate action.

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 2025-09-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: NM

Complaint narrative:
Columbia Debt Recovery LLC ( dba Genesis ) is reporting a false collection account to the credit bureaus related to a former rental at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, which is managed by XXXX. 

The apartment experienced multiple water leaks, which eventually led to mold growth in the wood beneath the kitchen cabinets. Although the final leak was repaired, the mold was never remediated. I obtained independent professional mold testing, which confirmed elevated mold levels.

I have a documented medical condition that makes me severely sensitive to mold, and doctors advised me to vacate immediately due to the serious risk to my health. I submitted numerous written notices to XXXX, citing Colorado tenant habitability laws, including a

formal 10-day notice. When they failed to respond or remediate the unit, I submitted a final termination letter, written and delivered by me, to legally terminate the lease and protect my health. I also sent a written debt validation request to Genesis, which was ignored. Despite never receiving any debt verification, Genesis reported the collection account to credit bureaus in XX/XX/year>, damaging my credit without due process. 

I am a XXXX veteran, and this situation has left me homeless. Neither XXXX nor Genesis acknowledged my medical condition or the mold issue despite multiple notices, documentation, and references to Colorado law. This conduct violates the FDCPA, FCRA, Colorado tenant habitability statutes, and likely the Fair Housing Act due to disability-based housing discrimination.

I am demanding the immediate deletion of this account from all credit reports and a full investigation into Genesis and XXXX for illegal credit reporting, failure to validate the debt, refusal to acknowledge uninhabitable conditions, and discriminatory treatment based on medical vulnerability.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-24 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: IL

Complaint narrative:
I am filing this dispute because fraudulent and inaccurate accounts are being reported on my credit file. I never opened or authorized these accounts, and I was never informed of their addition. The fact that the bureaus are reporting conflicting details makes this even more concerning. This violates the FCRA, 15 U.S.C. 1681e ( b ), which requires maximum possible accuracy of reported information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
On XXXX XXXX, I noticed inaccurate information being reported on my credit file by, XXXX XXXX XXXX. The account in question was listed with a balance of {$510000.00}, which is incorrect. I disputed this directly with the credit bureau on XX/XX/year>, providing documentation that the account was either an original contract, signed documentation that verifies I have a contract with the Account, Account History or does not belong to me. 
On XX/XX/year>, the bureau confirmed receipt of my dispute but failed to correct the error within the 30-day timeframe required by the Fair Credit Reporting Act ( FCRA ). Instead, the account continues to be reported inaccurately, harming my credit profile and causing financial hardship, including denial of credit and higher interest rates.

I also contacted Experian, XXXX, and XXXX  on XX/XX/year>, regarding this matter. Despite providing supporting documents, they failed to conduct a reasonable investigation or update the reporting. Their inaction violates FCRA requirements.

To resolve this issue, I am requesting that the inaccurate information be permanently removed from my credit file and that I receive written confirmation once corrected.

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 2025-09-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CITIBANK, N.A.
State: IA

Complaint narrative:
I wanted to issue a formal complaint as I received a letter in the mail from Citi 's fraud department telling me if I did not open a credit card that I needed to contact the number immediately and tell them it was not me. The credit card attempted to be opened was not from me. Their customer service representative would not help me as the information she requested was not on their system. I had to ask multiple times to get me her manager as I was following the exact instructions in the letter they sent me. Finally upon transferring me they were able to resolve ; but Citi 's Compliance Management System ( CMS ) for handling complaints and fraud is clearly designed to frustrate and not allow consumers to ultimately resolve fraud without what appear to be an unfair and deceptive process. This act and practice should be brought to the CFPB 's attention when reviewing their inadequate CMS for this process causing consumer harm.

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 2025-09-24 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: NJ

Complaint narrative:
I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2and to request that this information be blocked. I have enclosed a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBERXXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit-reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point I may request an extension of the block. During the block, you may not report that it no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report, and CREDITBUREAU has not wanted to give me a solution to this problem, where I am being totally affecting my ability to acquire a new house for my children. These collections were eliminated and not verified by other bureaus. I don't understand how they usually say that these accounts are mine. I have requested contracts from this company with my information, and for more than 60 days, I have not received any response from them. Please help me immediately delete these accounts. Here I add the FTC report, hoping that you will make a better decision in my situation. Thank you

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 2025-09-24 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: MoneyLion Inc.
State: CA

Complaint narrative:
On XX/XX/year>, I received emails saying that I am approving and acknowledging transaction from a XXXX XXXX ( XXXX ). The account had all my information, however, the phone number did not match. I used that chance to login and change all the information so whoever created the account could no longer access the account. 
As I started to create a new password for the account, I saw that the Scammer was simultaneously trying to reset my password as well through text. I changed as much of the information as possible on the account so that the scammer would not longer be able to access the account. 
There is not negative balance on the account, I actually have an overage on the account from funds being transferred from online betting. 
I am more concerned that this account was created with all my correct information and without me knowing. If they wanted to create lines of credit, I would not be able to stop them. 
I called MoneyLion to claim Fraud, however, they refused to help me close the account and it is still active. 
No action has been taken by the company and they seem to not have any urgency with the situation I have contacted XXXX  to Freeze my accounts and create Fraud Alerts.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
I hereby contest the late payment and delinquent status currently reported. Those entries are not accurate, and I request that they be updated to Paid as Agreed and all references to delinquency be erased.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-24 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: AZ

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the Experian 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 : INQUIRIES : 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  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 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 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 2025-09-25 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: Bridgecrest Acceptance Corporation
State: MO

Complaint narrative:
My car loan is through Bridge Crest The date of the loan was XX/XX/XXXX and per this contract the pay off date is XX/XX/XXXX. My selling price was {$13000.00} annual percentage rate 23.448 %. Finance charge {$16000.00}, Amount Financed {$19000.00} Total payments {$35000.00}. My loan was is set to be paid off XX/XX/XXXX per customer service at Bridge Crest I still owe {$9000.00}. Bridge Crest stated my car will go in to charge off if not paid off by XX/XX/XXXX and will be repossession.

Company response to consumer: Closed with explanation