vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
On or about XX/XX/scrub> 2025, while on the XXXX XXXX website, I responded to a credit card solicitation for an XXXX XXXX XXXX XXXX where the disclosure statement specifically stated verbatim that there would be no hard inquiry posted on credit report unless XXXX approved the credit card application, which XXXX did NOT. ( See attached disclosure from XXXX on XXXX XXXX ) Three ( 3 ) days later, today, on XX/XX/year>2025, I received an emailed notification from Experian that my credit score had decreased five ( 5 ) points down from XXXX to XXXX. See attached excerpts from online Experian Credit Report Acct. 

I called Experian today on Tuesday, XX/XX/year>2025 & explained the above to them & that the hard inquiry ( for the XXXX XXXX Card App. ) was wrongfully placed on my credit report & requested that they remove the inquiry from my credit report, but Experian refused.

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 2025-05-13 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: GA

Complaint narrative:
A collection account of {$710.00} from Columbia Debt Recovery ( original creditor : XXXX XXXX ) is being reported on my XXXXXXXX credit report. I never lived at this property, never signed a lease, and never received any services. The debt is allegedly based on returned application fees from XXXX, but I never entered into any binding rental agreement. 

I called the agency on XX/XX/XXXX, and they claimed they had my IP address, emergency contact, and card on file from the rental application. However, they have not provided any signed lease agreement or documentation proving I legally owe this debt. I requested full validation, and they stated they would try to send it.

This collection does not meet the standards for reporting under the Fair Credit Reporting Act ( FCRA ) because there is no legally binding debt or signed contract. It is causing damage to my credit and was reported without proper documentation or verification.

I am requesting removal of this account from my credit report due to failure to validate and the reporting of an inaccurate and unverifiable debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: PRANCER CAPITAL CORP
State: PA

Complaint narrative:
At the time of the loan agreement, I was explicitly told that I would receive a phone call before any repossession action. That promise was not honored. I received no notification or call, and the repossession occurred without warning. This is not only a breach of trust but also a potential breach of contract, depending on the terms agreed upon. 
The tow truck driver also entered my private property in violation of clearly posted No Trespassing signs. This act constitutes unlawful entry. Furthermore, during the repossession, personal items were removed from the vehicle, including a Schedule II prescription medication. This is a serious issue. The unauthorized taking of a controlled substance even inadvertently can be considered theft, a breach of federal law, and a potential public safety risk. I demand an immediate explanation of where my belongings, particularly the medication, are, and what steps are being taken to recover them. 
Because of these violations failure to notify, trespassing, and theft of controlled medication I dispute the validity of the remaining balance and your legal right to pursue it under these circumstances.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-13 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Problem with customer service — 
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am unable to access my Experian account because their system is showing incorrect or mismatched information about my identity. I have attempted to contact Experian multiple times through customer service, but I either can not reach a representative or am directed in circles with no resolution. 

This issue has prevented me from verifying my identity across multiple platforms, including financial services, banking, and other accounts that rely on Experian for verification. 

I was also told I could post to delete certain information, but I cant even log in to view or confirm if my information is accurate or has been corrected. My next credit report update is scheduled for tomorrow, and I urgently need to know if anything has been resolved but Experian remains out of reach. All within the days of XXXX to XXXX Please assist in getting this issue escalated to XXXX XXXX customer service team or a case XXXX who can correct the errors and restore my access.

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 2025-05-13 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: TX

Complaint narrative:
I do not recognize the negative accounts appearing on my credit

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 2025-05-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I do not recognize the negative accounts appearing on my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-13 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: AZ

Complaint narrative:
XXXX XXXX offered an option to change from a one-time monthly mortgage payment to bi-monthly, advertising this as an ideal option to facilitate paying down interest. I made the change to bi-monthly beginning XX/XX/XXXX. Bi-weekly payments have been on-time since enrollment. I noticed and error message in my account that I had a late payment, as well as late payments showing on my credit report. I contacted XXXX XXXX on XX/XX/XXXX to dispute this. I was reassured that it was not being reported and would not affect my credit as I was making the payments on time and in good standing. Recently, I applied for a loan and was declined due to 6 months of late payments reported to the credit bureau. I contacted XXXX XXXX again on XX/XX/XXXX and was told that someone would contact me by XX/XX/XXXX. The customer service representative that I spoke to denied that they had been reporting me for late payments, despite the Transunion credit report showing six months of late payments from XXXX XXXX that I submitted for their review. I asked for a supervisor and was able to leave a voicemail, though no one has been able to provide any answers or resolution since XX/XX/XXXX when this issue was first reported. 

Please find bank statements, the Transunion Credit Report and views from my XXXX XXXX account attached.

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 2025-05-13 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: NC

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-05-13 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: NC

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I am a victim of identity theft. I am writing to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards that I am not aware of. This happened when CFPB started having issues weeks ago and consumers privacy was put at risk. I have no knowledge of obtaining any of these here. Please remove these items and send me an updated copy of my report after the investigation. Help me please.

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 2025-05-13 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: UT

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-05-13 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: UT

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-13 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: TX

Complaint narrative:
I am writing to formally dispute the validity of a collection account currently being reported by your agency, Transworld Systems, on my credit report. Upon reviewing my credit report in preparation for purchasing a home, I was surprised to find this collection account. I previously held an account with XXXX and requested cancellation of the service, which XXXX confirmed via email. At the time of cancellation, I was informed that my balance was {$0.00}. Per their instructions, I also returned all required equipment in a timely manner. Since then, I have not received any communicationvia phone, email, or mailfrom XXXX or any debt collector regarding any outstanding balance. This collection account was reported without my knowledge or any prior notice and is currently having a serious negative impact on my creditworthiness and my ability to secure a home loan. Given the circumstances and my belief that this debt was reported in error, I am requesting that this collection account be removed from my credit report immediately, as required under the Fair Debt Collection Practices Act ( FDCPA ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Affirm Holdings, Inc
State: NJ

Complaint narrative:
In 2023, I was home sick with XXXX and unaware of a {$19.00} Affirm balance. I was never contacted by Affirm or the collection agency. I only found out after seeing it on my XXXX XXXXeport marked as a charge-off. 

I immediately called the collection agency and paid the {$14.00} they requested in full, last year. Since then, I have contacted Affirm multiple times requesting a goodwill deletion due to the unusual circumstances. 

I also have another Affirm account in good standing, which shows Im not a risky borrowerthis was clearly an isolated issue, not a pattern. 

This is the only negative item on my credit report. It dropped my XXXX score by over XXXX points, while my XXXX and XXXX are still XXXX. I have never missed any other payments on any account. 

Affirm acknowledges the situation but refuses to remove the item, claiming their obligation is to report accurate data. I am not disputing the dataIm asking for a discretionary goodwill removal, which is permitted under the Fair Credit Reporting Act ( FCRA ).

Im requesting the CFPB assist in having this paid, low-dollar, single-instance item removed from my report due to its disproportionate impact and the circumstances under which it occurred.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-13 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Block, Inc.
State: NY

Complaint narrative:
On XX/XX/XXXX, I was sent {$1300.00}. from my daughter. Immediately a text was sent from Cash App stating that my funds would be available in Cash App to withdraw and deposited into my bank checking account on XX/XX/XXXX. Monday XX/XX/XXXX I had to withdraw my {$1300.00}. instead of my cash depositing automatically into my checking account through my linked debit card XXXX. Nevertheless, my transaction was denied, and this course of action took several attempts to deposit my funds to my account to date XX/XX/XXXX. Next, I called Cash App numerous times, but I only received an automaton message stating to contact Cash App Chat. Needless to say, I chatted with support for about XXXX days with no resolution. Eventually, I was given by chat support an email to contact Cash App by phone. I called and spoke to XXXX a Cash App Support, and she suggested how I could receive my money. However, I questioned XXXX as to why I have a linked XXXX XXXX to Cash App to send and receive funds that should be sufficient enough to deposit my {$1300.00}. XXXX had no answer to my question. She then proceeded to suggest options such as linking another debit card, which I replaced with a new debit card, a Cash App card, or attaching my bank account to Cash App, which I was not considering. In closing, I could go on and on as to the challenges I have gone through, and still going through XX/XX/XXXX to revive my money is outrageous, to say the least. I pray & hope that a resolution will prevail in this matter. 

Thank you for your time and effort. 

Attachments included.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-13 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: IL

Complaint narrative:
Please consider this a formal request to block and remove the unauthorized accounts from my credit report at your earliest convenience. I have no knowledge of these accounts, nor did I authorize their creation. In accordance with USC 1681g, I ask that they be removed within 15 days. Supporting documents are included for your careful consideration. Additionally, the reported account details vary across the bureaus and contain discrepancies.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-13 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: WA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-05-13 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: WA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-13 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:
My former best friend who now moved back to XXXX XXXX used my information in the past without my approval to open accounts in my name. These are not accounts that are mine, I didn't open them. I would like to have these removed from my file since they are not my accounts. Please help me with these fraudulent accounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-13 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: NC

Complaint narrative:
Greetings, I appreciate your attention to this matter. My name is XXXX XXXX. I have been notified that I am a victim of the XXXX data breach, which has resulted in the theft of my identity. I am requesting the enforcement of my consumer rights as specified in FCRA SECTION 605B ( 15 U.S.C. 1681c-2 ). Please remove all fraudulent information from my credit report promptly.

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 2025-05-13 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: WA

Complaint narrative:
The company has not validated the account per the letter requesting proof of claim which was sent to the collection agency.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX {$280.00} XX/XX/XXXX XXXX XXXX {$76.00} XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX U.S.C, 1681section 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 an 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 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 2025-05-13 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX {$280.00} XX/XX/XXXX XXXX XXXX {$76.00} XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX U.S.C, 1681section 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 an 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-13 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: PA

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

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