vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-20 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: OR

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to a credit report that accurately reflects my financial history, including the timely correction or removal of any outdated or incorrect information.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 2025-06-20 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: WI

Complaint narrative:
Consumer Name : XXXX XXXX XXXX Social Security Number : XXXX, Date of Birth : XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the EXPERIAN credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of your receiving this complaint. This fraudulent, inaccurate, and false information consists of Collections : 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 I have attached a list of the fraudulent items appearing as well as a copy of the FTC consumer credit report maintained by you which shows these fraudulent accounts and items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by your agency are the result of identity theft and fraud. I have attached a copy of the FTC identity theft report number XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts and collections are the 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 2025-06-20 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: NY

Complaint narrative:
've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-20 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: TX

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.

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 2025-06-20 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:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-20 00:00:00
Product: Debt collection — I do not know
Issue: Electronic communications — Frequent or repeated messages
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: NY

Complaint narrative:
Columbia Debt Recovery has not removed this negative from my credit report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-20 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: NC

Complaint narrative:
A month ago, I submitted a complaint to these Bureaus, but the incorrect information on my report is still there. I haven't heard back from them, aside from your notification that the company has replied to my complaint. How can I trust that they've properly investigated the inaccuracies? What steps did they take to verify the accounts? This entire situation is really frustrating, especially since it's been over 30 days since I filed my complaint.

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 2025-06-20 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:
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 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 other 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 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 2025-06-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Millco Management
State: GA

Complaint narrative:
I am writing to bring attention to a concerning matter concerning my credit file. I have observed the presence of a collection entry from your agency, which has caught my attention as I was not previously informed about this collection. Furthermore, I hold serious doubts about the accuracy of the debt being claimed. As per the Fair Debt Collection Practices Act, I have the right to request validation of the debt. Thus, I kindly request that you provide me with the required validation and take appropriate actions to address this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-20 00:00:00
Product: Prepaid card — Payroll card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Newport Intermediate Inc.

Complaint narrative:
This is what I sent to XXXX Dear Onbe Support, I am contacting you to formally dispute a fraudulent and unauthorized transaction that occurred on my prepaid account managed through XXXX 

Despite attempting to access my account on XX/XX/year>, I was unable to do so. I later discovered a large transfer to a bank account in XXXX a country where I hold no financial accounts or affiliations. I regained access on XX/XX/XXXX, at which point I saw that {$14000.00} had been transferred to the XXXX XXXX XXXX XXXX  without my knowledge or consent. 

This transaction should never have been authorized. I was informed that a verification email was sent, but I never received it which I reported to Onbe on XX/XX/XXXX. I also have evidence to support this, including : The original email I sent to your team on XX/XX/XXXX Screenshots of the fraudulent transfer Logged phone calls Chat messages with another XXXX  user I am requesting : Immediate reimbursement of the full amount lost An investigation into how this breach occurred Support for the financial hardship caused I have pasted my full formal letter of complaint below. Please acknowledge receipt of this message, and let me know if any further verification is needed. 

Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-20 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: Global Lending Services LLC
State: FL

Complaint narrative:
Subject : Dispute and Request for Removal of Unauthorized Credit Inquiries Pursuant to FCRA 15 U.S.C. 1681b To Whom It May Concern, I am writing to formally dispute several unauthorized credit inquiries that appear on my credit report. I did not authorize or initiate any applications for credit with the companies listed below, and I am requesting that these inquiries be removed immediately in accordance with the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681b. 

The following inquiries are being disputed as unauthorized and fraudulent : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Under FCRA 1681b ( c ), a hard inquiry can only be made if I have provided written instructions or applied for credit. Since I did not provide authorization for these inquiries, they constitute a violation of federal law and are negatively impacting my credit profile without cause.

I am requesting the following : 1. Immediate deletion of the unauthorized inquiries from my credit report.

2. A written confirmation that these inquiries have been removed.

3. Disclosure of the source and any identifying information related to these inquiries. 

If the inquiries are not removed within a reasonable time frame, I will escalate this matter by filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and, if necessary, pursue legal action under FCRA 1681n and 1681o for willful and negligent noncompliance.

Please consider this letter a formal dispute under the FCRA. I have attached a copy of my credit report highlighting the unauthorized inquiries, along with a copy of my government-issued ID and proof of address. 

I expect your response within 30 days, as required under the FCRA. 

Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-20 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: NJ

Complaint narrative:
I have disputed this account twice through the credit bureau ( XXXX ), but no valid documentation has been provided to support the reporting, and no corrections have been made. This shows a failure to conduct a reasonable reinvestigation as required under the FCRA. 

Due to the inaccurate and unverifiable nature of the information and the lack of a proper response after multiple disputes, I am requesting that this account be deleted entirely from my credit report. 

Thank you for your attention to this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-20 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: AZ

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 response to consumer: Closed with explanation
Consumer complaint received 2025-06-20 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: TX

Complaint narrative:
Equifax did not adequately investigate my complaint of unauthorized inquiries. The dispute was filed on XX/XX/XXXX and their auto generated letter was received the same day. 
Equifax XXXX XXXX  XX/XX/XXXX Equifax XXXX XXXX XXXX  XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-20 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CITIBANK, N.A.
State: WV

Complaint narrative:
Citibank CBNA ( Account # XXXX ) I am filing a complaint against Citi cards for reporting inaccurate and/or unverifiable information on my credit report. 
The following accounts are being reported with incomplete or incorrect data : Citi Cards CBNA : Account was marked Paid in settlement, but credit bureau, XXXX XXXX XXXX XXXX updated the status in XX/XX/year> despite the final payment being in XX/XX/year>. This XXXX reflect illegal re-aging or improper updates. 

I was never properly notified about charge-off actions and was not given a right to cure the default before the derogatory status was reported.

Delete the account from my credit report if it can not be substantiated under FCRA 15 U.S.C. 1681i and 1681s-2 ( b ).

I submitted disputes, and the bureau did not correct the entries or provide verification per FCRA 609 and 611.

I am requesting that the CFPB initiate an investigation and require credit bureau to either provide documented verification or permanently delete the accounts under 15 U.S. Code 1681i ( a ) ( 5 ) ( A ).

If the information remains unverifiable, incomplete, or inaccurate, it must be deleted under federal law.

Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, I have the right to dispute incomplete or inaccurate information. Citi Cards CBNA If verify the completeness or accuracy of the reporting, the tradeline must be corrected or deleted within 30 days.

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 2025-06-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.

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 2025-06-20 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SUNRISE CREDIT SERVICES, INC
State: FL

Complaint narrative:
On XXXXXXXX XXXX XXXX, I was contacted by sunrise credit service inc regarding an alleged debt of {$2000.00} I was not previously notified about this debt by the original creditor, and had no prior knowledge of any outstanding balance. 

On XXXX XXXX, I requested that the collection agency validate the debt in writing, as is my right under the Fair Debt Collection Practices Act ( FDCPA ). However, I either did not receive a response or received insufficient documentation to confirm the validity and details of the debt. 

Despite my request, the agency continued to contact me via [ calls, letters, emails. ] and even reported the debt to the credit reporting agencies on [ XXXX XXXX ], which has negatively impacted my XXXX XXXX. 

I believe this collection activity is either in error or not in compliance with federal or state law. I am requesting that [ Debt Collection Agency Sunrise credit services inc ] cease collection activities until the debt is properly validated and, if applicable, that any incorrect credit reporting be corrected or removed. 

Actions Taken : Sent a debt validation request on XXXX Contacted original creditor on XXXX XXXX Please investigate this matter and ensure that my rights under the FDCPA are upheld. 

Fair Debt Collection Practices Act Law Citation : 15 U.S. Code 1692 - 1692p Governing Body : Enforced by the Federal Trade Commission ( FTC ) and the Consumer Financial Protection Bureau ( CFPB )

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 2025-06-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
Have to continually submitting disputes against Equifax they have still yet to remove the credit trade line from XXXX XXXX XXXX it's as though they've sold my account to a third party fourth party yet I've sent them the information regarding this account and they still refuse to remove it XXXX XXXX XXXX XXXX removed yet Equifax still does not want to remove it

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

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. 

XXXXXXXX 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 XXXXXXXX XXXX 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 other 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 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 2025-06-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: MN

Complaint narrative:
Experian has allowed XXXX, XXXX to unfreeze my credit report without my permission 4 times this year. Affirm as added a name and social security number to my account which does not belong to me. I've had to call into Experian to dispute this unfreeze and addition 3 times previously wasting my time and giving me mental and emotional stress and anguish. Third party companies should not be able to unfreeze my credit without my permission and they should not be able to addon personal information that does not belong to me, especially if I've previously disputed them before. 

XXXX XXXX dates : XX/XX/year> XX/XX/year> XX/XX/year> XX/XX/year>

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