vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-18 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Rent Recovery Solutions
State: WI

Complaint narrative:
I vacated my apartment for half of XXXX of 2021, so only got charged half of rent ( {$520.00} ). I was advised by the property manager to pay this in early XXXX so utilities were finalized on the statement. 
I paid the property group on XX/XX/XXXX of 2021 of {$520.00}. It turns out, however, that the bill was sent to collections on XX/XX/XXXX and posted by Rent Recovery Solutions

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-18 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: OH

Complaint narrative:
These entries remain unverified and questionable. Despite multiple attempts to have these inaccuracies properly investigated and resolved, no meaningful action has been taken. I have submitted all required documentation and followed up repeatedly, yet the errors persist. This ongoing lack of action has caused undue financial hardship and has significantly affected my well-being. The mental and emotional toll of dealing with these unresolved discrepancies has been overwhelming. 
Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a fair and accurate credit report, including the removal of unverifiable or incorrect information. I urge you to take immediate steps to verify and rectify these items, as failure to do so constitutes a violation of my rights under federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-18 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: CBC Companies, Inc.
State: MI

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section XXXXB of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-18 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: DE

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. CXXXXe XXXX ) says ( XXXX ) 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. CXXXXe XXXX ( XXXX ) and 15 U.S. CXXXXe XXXX. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. CXXXXe XXXXn, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-18 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: DE

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. CXXXXe XXXX ) says ( XXXX ) 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. CXXXXe XXXX ( XXXX ) and 15 U.S. CXXXXe XXXX. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. CXXXXe XXXXn, 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 non-monetary relief
Consumer complaint received 2025-07-18 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: MI

Complaint narrative:
I am writing to dispute the following inaccurate and unverifiable information on my credit report. I have attached copies of document and request letter to support my claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-18 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: VA

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

1681c-2 ) that you, the TransUnion LLC Consumer Dispute Center, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : 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 XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-18 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: DC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DC XXXX XXXX XXXX Equifax Information Services LLC XXXX. XXXX XXXX XXXX, GA XXXX Unauthorized Hard Inquiries Request for Removal To Whom It May Concern, I am formally disputing the following hard inquiries reported on my Equifax credit file dated between January 1724, 2025 : - Global Lending Services- XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX I do not recall authorizing these entities to access my credit report. Under XXXX U.S.C. 1681b ( c ), a consumer reporting agency may only provide a consumer report if the user has a permissible purpose and consumer authorization.

Please remove these inquiries unless you can provide evidence of my signed authorization. If such proof can not be furnished, I request deletion within the 30-day dispute period as required by law. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-18 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: IA

Complaint narrative:
b'I sent a certified letter to Experian on XXXX via USPS mail with a tracking number of  XXXX XXXX XXXX XXXX XXXX XXXX  . The letter was delivered to Experian in XXXX XXXX XXXX XXXX XXXX XXXX The letter stated they needed to promptly investigate the account and correct it or delete it. Experian ignored my request and I proceeded to send another letter on 06/07/2025. They also ignored my 2nd letter. The accounts that were included in both letters were.\XXXX XXXX XXXX XXXX XXXX XXXX  and account number is  XXXX XXXX XXXX XXXX XXXX XXXX  and account number is XXXX XXXX balance is  XXXX and account number is 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 2025-07-18 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: OH

Complaint narrative:
These entries are incorrect and do not accurately reflect my actual payment history. I have made multiple attempts to get these discrepancies investigated and corrected, yet no meaningful action has been taken. Despite providing all necessary documentation and following up several times, these errors remain unresolved. This ongoing issue has caused financial stress and has taken a serious toll on my well-being. Dealing with these inaccurate entries has been frustrating and exhausting. Under the Fair Credit Reporting Act ( FCRA ), I have the right to a credit report that accurately represents my financial history. This includes the prompt correction of outdated or incorrect information. I urge you to take immediate action to update or remove these late payment entries, as failing to do so is a direct violation of my rights under federal law. 
I appreciate your prompt attention to this matter and expect a resolution as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-18 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: PA

Complaint narrative:
Bureau failed to investigate FCRA 611 dispute within 30 days. Demand deletion of [ accounts ]. '' XXXX XXXX # XXXX XXXX XXXX XXXX XXXX ( Duplicate ) 2. XXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXX ( Obsolete ) 3. XXXX XXXX  # XXXXXXXX XXXX XXXX XXXX XXXX  ( Balance Inaccuracy ) 4. XXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXX  ( No 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 non-monetary relief
Consumer complaint received 2025-07-18 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: FL

Complaint narrative:
Dispute Reason : This collection account is inaccurately reported and unverifiable. 

Explanation : I am disputing the account reported by Professional Debt Mediation, which appears as closed on my credit report. I request a full reinvestigation under the Fair Credit Reporting Act ( FCRA ) and a detailed method of verification.

Specifically, I request the credit bureau to obtain : Verification of the debt The name and address of the original creditor The date of first delinquency If the furnisher can not verify this information, the item must be deleted from my credit file. Please notify me in writing once the investigation is complete.

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 2025-07-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Dispute Reason : This collection account is inaccurately reported and unverifiable. 

Explanation : I am disputing the account reported by Professional Debt Mediation, which appears as closed on my credit report. I request a full reinvestigation under the Fair Credit Reporting Act ( FCRA ) and a detailed method of verification.

Specifically, I request the credit bureau to obtain : Verification of the debt The name and address of the original creditor The date of first delinquency If the furnisher can not verify this information, the item must be deleted from my credit file. Please notify me in writing once the investigation is complete.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-18 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: NC

Complaint narrative:
I have repeatedly attempted to have these discrepancies reviewed and corrected, yet no significant action has been taken. Despite submitting all required documentation and following up multiple times, the inaccuracies on my credit report remain unresolved. This prolonged issue has led to ongoing financial strain and has severely impacted my well-being. The process of addressing these errors has been both frustrating and mentally exhausting. 

According to the Fair Credit Reporting Act ( FCRA ), I am entitled to a credit report that accurately reflects my financial history, including the timely correction or removal of any outdated or incorrect information. I am urging you to take immediate action to either update or delete the reported late payment entries. Continued failure to act would be a direct violation of my rights under federal law. 

I appreciate your prompt attention to this matter and expect a timely resolution.

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 2025-07-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
Signed up for chases offer stating Earn a {$200.00} bonus after you spend {$500.00} on purchases in the first 3 months from account opening, after spending that amount I reached out because I never received the bonus cash back. 

Two disputes were filed, escalation numbers were obtained. After a few weeks a letter was sent to me saying my offer was 1.5 % cash back after spending {$20000.00}. After denying this offer and stating I want the offer I signed up for they said they had no record of the offer on my account. I signed up on the chase website. 

Account manager gave me executive address to reach out to.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-18 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: DE

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX List of Unauthorized Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a 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 ot
her adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: EQUIFAX, INC.
State: WA

Complaint narrative:
I am a victim of identity theft. Upon reviewing my credit report, I discovered multiple fraudulent accounts and collections that were opened and incurred without my knowledge, consent, or authorization. 
Specifically, several fraudulent accounts were opened in early XXXX. Three accounts with one financial institution, a credit union, were opened in XXXX and XXXX of XXXX. These include a credit card with a balance of approximately {$2800.00}, a line of credit with a {$5000.00} balance, and another loan with a {$2400.00} balance. All three of these accounts were charged off after a series of delinquencies were reported starting in late XXXX and continuing into XXXX. 
Additionally, a fraudulent credit card account with another creditor was opened in XX/XX/XXXX. This account now has a balance of approximately {$690.00} and is reported as being over 120 days delinquent as of XX/XX/XXXX. 
Furthermore, two fraudulent collection accounts from an insurance company appeared on my report. The first, for {$2000.00}, was assigned to a collection agency on or about XX/XX/XXXX. The second, for {$63.00}, was assigned on or about XX/XX/XXXX. I have no legitimate business relationship with this company that would result in these debts. 
Upon discovering this widespread fraud, I took immediate action. I filed an official Identity Theft Report with the Federal Trade Commission ( FTC ) and also filed a formal police report with my local law enforcement agency to document these crimes. 
These accounts are not mine. They are the direct result of criminal identity theft. I have already submitted a formal dispute with the credit reporting agencies, including my FTC report and the police report, to have this fraudulent information permanently blocked and deleted from my credit file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
I am a victim of identity theft. Upon reviewing my credit report, I discovered multiple fraudulent accounts and collections that were opened and incurred without my knowledge, consent, or authorization. 
Specifically, several fraudulent accounts were opened in early XXXX. Three accounts with one financial institution, a credit union, were opened in XXXX and XXXX of XXXX. These include a credit card with a balance of approximately {$2800.00}, a line of credit with a {$5000.00} balance, and another loan with a {$2400.00} balance. All three of these accounts were charged off after a series of delinquencies were reported starting in late XXXX and continuing into XXXX. 
Additionally, a fraudulent credit card account with another creditor was opened in XX/XX/XXXX. This account now has a balance of approximately {$690.00} and is reported as being over 120 days delinquent as of XX/XX/XXXX. 
Furthermore, two fraudulent collection accounts from an insurance company appeared on my report. The first, for {$2000.00}, was assigned to a collection agency on or about XX/XX/XXXX. The second, for {$63.00}, was assigned on or about XX/XX/XXXX. I have no legitimate business relationship with this company that would result in these debts. 
Upon discovering this widespread fraud, I took immediate action. I filed an official Identity Theft Report with the Federal Trade Commission ( FTC ) and also filed a formal police report with my local law enforcement agency to document these crimes. 
These accounts are not mine. They are the direct result of criminal identity theft. I have already submitted a formal dispute with the credit reporting agencies, including my FTC report and the police report, to have this fraudulent information permanently blocked and deleted from my credit file.

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 2025-07-18 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: NCB Management Services Inc.
State: AZ

Complaint narrative:
XX/XX/XXXX NCB Management Services reported a debt owed in the amount of {$2500.00}. This debt was purchased from XXXX XXXX for an automobile. The vehicle has been repossessed and sold to another driver. The amount owed to XXXX is not consistent with the debt collectors request. Throughout the entire duration on XXXX, XXXX, and XXXX, I have demanded this be removed from my report. I am still seeking to have this debt removed. This debt has been charged off.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-18 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Earnest Inc.
State: MI

Complaint narrative:
I refinanced my student loans through Earnest in XX/XX/year>, with my father as a co-signer. It has now been over two and a half months, and Earnest has still not disbursed the funds to pay off my original loan servicers ( XXXX and XXXX ). 

I have contacted Earnest support multiple times by phone and email. I was informed that the payment was sent to the wrong lender and they are now waiting to recover the funds before applying them correctly. Despite their acknowledgment of the error, no timeline for resolution has been provided. 

I was promised a supervisor callback within 24-48 hours during a phone call on Monday, XX/XX/year>, and have still not received any follow-up as of Friday, XX/XX/XXXX. 

Meanwhile, my original loan servicers are still billing me and auto-deducting payments. I have been forced to make out-of-pocket payments to protect my credit, even though Earnests refinance should have closed and paid off these loans weeks ago. 

I have documentation showing consistent communication, and that Earnest was aware of the issue and failed to act promptly. Ive been offered administrative forbearance, but only if I asked for it, despite the delay being 100 % caused by their mistake.

Company response to consumer: Closed with explanation