vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-14 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: FL

Complaint narrative:
I am writing to report that I am a victim of identity theft, and I am requesting the immediate removal of fraudulent information from my credit report. According to FCRA 605B ( 15 U.S.C. 1681c-2 ), the credit bureaus are obligated to delete such information within 4 business days of receiving the request. Some of the data on these accounts is unfamiliar to me, and I am concerned about the accuracy and authenticity of the entries. Several of these entries have already been removed from other bureaus, which further supports my claim of fraud. 
XXXX XXXX XXXX AV XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$2500.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX. ) XXXX Balance : {$1300.00} XXXX XXXX  XXXX Balance : {$1400.00} XXXX, XXXX XXXX Balance : {$1100.00} XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-07-14 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: FL

Complaint narrative:
a 30-day late payment was incorrectly reported on my XXXX credit card account. I discovered the error while reviewing my credit reports. XXXX  has since completed an investigation and corrected the record, confirming there was no late payment. However, Equifax continue to report the inaccurate late payment, despite multiple requests for correction and the supporting documentation I provided, including a screenshot of XXXX update. I formally disputed the inaccuracy with both companies, referencing my rights under the Fair Credit Reporting Act ( FCRA ), but they have failed to make the necessary correction. Im requesting that the inaccurate information be removed to reflect an accurate payment history consistent with XXXX report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-14 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: DE

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGEDORNOT.

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 2025-07-14 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: Experian Information Solutions Inc.
State: MD

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.

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 b
y 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.

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.

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 2025-07-14 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: KS

Complaint narrative:
Upon checking my credit in XX/XX/XXXX I found out that there was a XXXX credit card opened in my name in XX/XX/XXXX. I immediately called XXXX and told them to close the account because I did not open it. ( I have never heard of XXXX and upon looking at their website I would never have an account with them either! ) I immediately assumed it was my brother because he has done this to me and other people in the past. It is worth noting that I have lived at my current address since XXXX, ( XXXX XXXX XXXX XXXX XXXX ) however, I have received ALL of my mail at my parents address for at least the last XXXX  years for personal reasons. ( XXXX XXXX XXXX XXXX XXXX ) I pick up my mail appx once a week and I recently found out that my brother has been staying there off and on since XXXX so he has had many chances to access my mail as well as apply for credit in my name. A police report and FTC identity theft report was filed and the credit reporting companies removed this from my reports at once. 
Since then XXXX has denied my claim and put this fraudulent entry onto my credit reports and the only reason they have given me was that there was a phone number linked to the account opened in my name. They would not even tell me what the number is so I could investigate it myself! My brother denies opening this and I know I did not, and as low as the balance is I would have just paid it if I had been the XXXX to open it. They are lying about doing an investigation and this is my final attempt at resolving this before I file a lawsuit. They are saying its being reported accurately and that is a LIE. This is fraud and I have submitted all the paperwork to them as well as the credit reporting companies and they are still reporting this account as valid and accurate and lying when they say it was investigated. I am not surprised when I look up this company they have terrible reviews and are a sub-prime lender specializing in charging astronomical prices for items that you can get cheaper at XXXX claiming to " help ones credit. '' I have almost a XXXX credit score, I hardly need or would apply for a XXXX account. Clearly they will give an account to about anybody so when an account is opened fraudulently they look for any reason they can find to dispute it, then try and pin their mistake on the consumer!

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 2025-07-14 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: CA

Complaint narrative:
In XXXX, I received an email notice from Columbia Debt Recovery LLC, doing business as Genesis, claiming that I owe {$330.00} to The XXXX. However, my account with The XXXX had a remaining credit balance of {$500.00} at that time. The property manager at The XXXX has confirmed that this alleged debt is invalid. 

I have disputed this claim with Columbia Debt Recovery LLC, dba Genesis, through both email and their online portal. Despite my efforts, I have not received any response, and the collection account has not been removed. 

I have attached the final statement from The XXXX, which shows a {$500.00} credit balance ( which has since been refunded to me ). I have also attached a written settlement agreement between myself and The XXXX, which explicitly states that the collection account with Genesis related to me should be withdrawn. 

I am requesting that the CFPB assist in ensuring this invalid debt is removed from any records and that Genesis ceases further collection attempts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-14 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:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGEDORNOT.

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 2025-07-14 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: MS

Complaint narrative:
Subject : Dispute of Inaccurate Account Reporting Under FCRA XXXX  Account Ending in XXXX To Whom It May Concern, I am writing to formally dispute the inaccurate reporting of a closed account appearing on my credit report. This account, listed as XXXX XXXX, is showing a non-zero balance of {$20000.00} despite being closed as of XX/XX/year>, as reported on both Equifax and TransUnion. 

According to the Fair Credit Reporting Act ( FCRA ), under 15 U.S.C. 1681i ( a ) and 15 U.S.C. 1681s-2, credit reporting agencies and furnishers are required to : 1. Conduct a reasonable investigation upon receiving a dispute from a consumer.

2. Verify the accuracy of the reported information before placing it on a consumers file.

3. Provide the consumer with details about the methods and sources used to verify the information. 

This account is inaccurately listed as having a balance despite being closed, and no explanation or documentation has been provided to justify this reporting. This is misleading, harms my credit profile, and is a potential violation of my rights under the FCRA. 

Therefore, I am requesting the following : 1. Immediate investigation into the accuracy of this closed account with a balance.

2. Written explanation and documentation of the procedures and methods used to verify this accounts balance and status before it was reported.

3. Removal or correction of the account if the reported information can not be fully verified in compliance with FCRA standards. 

Please respond to this dispute within the 30-day period as required under the FCRA. If no sufficient verification can be provided, this account must be deleted or corrected from my credit report. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX 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 2025-07-14 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: AL

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGEDORNOT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-14 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 am writing to report that I am a victim of identity theft, and I am requesting the immediate removal of fraudulent information from my credit report. According to FCRA XXXXB ( 15 U.S.C. 1681c-2 ), the credit bureaus are obligated to delete such information within 4 business days of receiving the request. Some of the data on these accounts is unfamiliar to me, and I am concerned about the accuracy and authenticity of the entries. Several of these entries have already been removed from other bureaus, which further supports my claim of fraud. 
XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$5100.00} XXXX  XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Balanace : {$3100.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: MS

Complaint narrative:
On XX/XX/year> I filed a dispute for my Wells Fargo account for {$1300.00} which was from various charges that I did not make. There were several transactions made in the XXXX XXXX  area and I live in XXXX and I had not been in XXXX  at the time that those charges were made and there were also several transactions made on some gaming websites that I had never done business with.after multiple follow calls to Wells Fargo they denied my claim on XX/XX/year>. I told them that I hadnt been to XXXX and they refused to believe 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
Consumer complaint received 2025-07-14 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: MS

Complaint narrative:
Today, I am lodging a complaint to notify you that I have fallen victim to identity theft. I have filed a report with the Federal Trade Commission ( FTC ) at https : //www.ftc.gov, in accordance with FCRA Section 605b, which mandates Credit Reporting Agencies to investigate any items listed on an identity theft report. I have attached documents to facilitate the investigation of erroneous information currently posted on my report. 
Enclosed is a list of items that neither belong to me nor were opened with my permission.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-14 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Problem with customer service — 
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
On XX/XX/XXXX I opened a credit card with Citibank. In in XX/XX/XXXX after being seriously injured in the line of duty as a law enforcement official, I was unable, both economically and emotionally to continue making timely payments to this card. I called Citibank customer assistance for help late in XX/XX/XXXX. On a phone conversation with Citibank representatives, I was placed in a customer assistance program, paying $ XXXX  monthly, until paying back {$300.00} total towards the full balance of {$750.00}. Any balance left, {$450.00} would be forgiven in the issue of a 1099c form from Citibank to be which would need to be reported on my tax filing as earned income per federal tax laws. I never received the 1099c from from Citibank but they continue to report this as a debt owed and outstanding on my credit report. This is totally unethical business practices of Citibank after making an agreement with this account directly to a hardship situation, loss of income and devastating consequences. This balance is now being reported as owed, late and now was recently seen on my credit report as {$200.00} charged off, past due as of XX/XX/XXXX is inaccurate, false and misleading information. Other life changing situations have happened since this agreement of paying back a total of {$300.00} with {$20.00} payments each month until reaching {$300.00}. such as identity theft situations and incidents with several personal accounts and information being breached as well. A report was filed in XXXX and XXXX with the Federal Trade Commission for identity fraudulent activity happening. Im asking for the CFPB to assist with this fraudulent reporting by Citibank on my credit report and issue the 1099c form for the balance of {$450.00} as promised in the customer assistance program I was in, completed payment of a total of {$300.00} back but still have not received the forgiveness of the balance of {$450.00} with the issue of the 1099c form as promised.

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 2025-07-14 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: IN

Complaint narrative:
My credit reports contain inaccuracies that are leading creditors to deny me credit. As it is your responsibility to ensure the information reported about consumers is accurate, I request that you investigate these accounts and inquiries. Please update them as necessary to prevent potential legal action in the future.

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 2025-07-14 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: FL

Complaint narrative:
Hello, I hope this message finds you well. I am reaching out to express my concern regarding a late payment recorded in my items that requires correction. I am requesting once again for the necessary adjustments to be made to rectify the items with the late payment. According to legal requirements, I understand that an investigation or update of the items is mandated. Kindly review the listed items below that requires correction : XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$1000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$3200.00} XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$1400.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Balance : {$9100.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX 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 2025-07-14 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: FL

Complaint narrative:
Hello, I hope this message finds you well. I am reaching out to express my concern regarding a late payment recorded in my items that requires correction. I am requesting once again for the necessary adjustments to be made to rectify the items with the late payment. According to legal requirements, I understand that an investigation or update of the items is mandated. Kindly review the listed items below that requires correction : XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$1000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$3200.00} XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$1400.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Balance : {$9100.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-14 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: VA

Complaint narrative:
I am requesting the removal of inaccurate and unauthorized accounts from my credit report. These items were not opened, authorized, or verified by me, and l 've attached documentation in support of this claim. These accounts and inquiries do not belong to me and were added without my permission or proper verification. 

I've submitted supporting documentation, including a consumer statement and official FTC report, to verify this matter. I am requesting these items be removed so my credit report reflects only accurate, verifiable information. Under Section 605B of the Fair Credit Reporting Act, I am exercising my right to block this information from appearing on my credit profile.

Company response to consumer: Closed with non-monetary relief