vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-22 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: NJ

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , 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. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX on XX/XX/XXXX under the account number ( XXXX ), personal credit card with XXXX XXXXXX/XX/XXXX under the account number ( XXXX ), XXXXXXXX XXXX opened XX/XX/XXXX under the account number ( XXXX ), an auto loan account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number ( XXXX ), and a collection account from XXXX XX/XX/XXXX ( also XXXX XX/XX/XXXX ) with account number ( XXXX ). These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent 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 you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-22 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: NJ

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , 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. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX on XX/XX/XXXX under the account number ( XXXX ), personal credit card with XXXX XXXXXX/XX/XXXX under the account number ( XXXX ), XXXXXXXX XXXX opened XX/XX/XXXX under the account number ( XXXX ), an auto loan account opened at XXXXXXXX XXXX XXXX  on XX/XX/XXXX under the account number ( XXXX ), and a collection account from XXXX XX/XX/XXXX ( also XXXX XX/XX/XXXX ) with account number ( XXXX ). These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent 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 you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries 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 2025-04-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am filing a complaint because an account with XXXXXXXX XXXX is incorrectly reporting on my credit as a charge-off, despite being fully paid and closed. I have documentation from XXXX XXXX XXXX XXXX, the law office representing the creditor, showing a {$0.00} balance as of XX/XX/year>. 

I have contacted the credit bureaus and/or the creditor to request a correction, but the account continues to report inaccurately, damaging my credit unfairly. 

Under the Fair Credit Reporting Act ( FCRA ), I am requesting that this inaccurate information be removed altogether.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-22 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:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I have been unable to access my Capital One credit card account for the past 7 days due to a " data inconsistency '' on the back end that they have been unable to resolve even after 5 phone calls, each with a different technical support team member. 

Each team member has given me a different explanation to what the issue is, and has said I just need to wait for it to naturally resolve. They will not transfer my issue to tier 2 support. 

When I spoke to customer service they said there was nothing they could do other than file my complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-22 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: NJ

Complaint narrative:
I am writing to formally dispute several inaccurate late payment entries on my credit report. These errors have severely impacted my credit profile, and I expect both the creditors and your agency to take immediate action to correct these inaccuracies. As a consumer, I am entitled to accurate and fair reporting under the Fair Credit Reporting Act ( FCRA ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-22 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: MI

Complaint narrative:
XXXX Consumer Center XXXX XXXX Number : XXXX XX/XX/year> CONSUMER FINANCIAL PROTECTION BUREAU XXXX XXXX XXXX XXXX XXXXXXXX, IA XXXX CFPB case # XXXX, XXXX, XXXX, XXXX, and XXXX XXXX XXXX XXXX XXXX XXXX, Ml, XXXX XXXX Whom It May Concern : This correspondence is in response to the complaint XXXX XXXX XXXX XXXX ( " XXXX '' ) received from your office on XX/XX/year> on behalf of the consumer ; XXXX XXXX, in which the consumer disputes the alleged inaccurate reporting of bankruptcy record case number XXXX listed on their file. Thank you for your patience while we reviewed this matter and prepared the appropriate response. 
In an effort to resolve the consumer 's concerns, XXXX initiated a dispute, and that investigation was resolved as of XX/XX/year>. During our investigation, XXXX located and removed the following records from the consumer 's file with XXXX : Bankruptcy Record : Bankruptcy record case number XXXX A resolution letter outlining the results of our reinvestigation and the consumer 's statutory rights was mailed directly for their review. 
Relation to the nationwide consumer reporting agencies. Please note when information is removed from consumer reports provided by XXXX as a result of a dispute or request, that change is only applicable to the reports generated by our company. Although XXXX XXXX XXXX XXXX ( " XXXX XXXX Management '' ), a XXXX XXXX, sells public records in bulk to a variety of customers, including consumer reporting agencies such as Equifax, Experian, and TransUnion, XXXX XXXX XXXX 's role is limited to providing its customers data it retrieves from courts, including updates to existing records. These bulk records are not consumer reports as defined under the FCRA. Therefore, our customers make the final decision regarding whether or not to include a particular record in their result and are unaffected by the results of our reinvestigations. 
Disputed bankruptcy record case number XXXX submitted to credit bureaus. XXXX is a reseller of credit reports from the three nationwide consumer reporting agencies Experian, Equifax, and Transunion and follows the reinvestigation requirements outlined in the Fair Credit Reporting Act ( " FCRA '', 15 U.S.C. 1681 et seq. ) for disputes of the information therein. XXXX submits disputes to the originating consumer reporting agency and forwards the results received from the nationwide consumer reporting agencies to the consumer when the nationwide consumer reporting agencies completes their reinvestigation.

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 2025-04-22 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: DC

Complaint narrative:
1. XXXX XXXX XXXX Account Number : XXXX Dispute Reason : The account is reported as charged off with a balance of {$590.00}. However, the payment history and status updates are inconsistent. There are 31 negative months reported, which does not align with the accounts open and closed dates. I request full verification of this charge-off status and a thorough review of the payment history. 



2. XXXXXXXX Account Number : XXXX Dispute Reason : This account shows a {$930.00} charge-off, but a {$0.00} balance as of XX/XX/XXXX. The payment history includes several discrepancies. Please verify the accuracy of this data and correct any errors. 



3. XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) Account Number : XXXX Dispute Reason : This collection account lists a balance of {$940.00}. I do not recognize or recall having an account with the original creditor. This may be a result of identity theft or misreporting. I request full validation of the debt, including original documentation and proof of ownership. 



XXXX. XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) Account Number : XXXX Dispute Reason : The collection account is reported with a {$610.00} past due balance. There are inaccuracies in the payment history and questions about the legitimacy of the debt. I request full validation and removal of this account if it can not be verified. 



XXXX. XXXX XXXX XXXX ( Original Creditor : XXXX ) Account Number : XXXX Dispute Reason : This collection account for {$1700.00} is unfamiliar and may be a result of identity theft or error. I request verification of this debt with supporting documentation, and removal if not validated. 



XXXX. XXXX XXXX XXXX ( Original Creditor : XXXX ) Account Number : XXXX Dispute Reason : This collection account shows a {$930.00} past due balance, but the reported details are inconsistent with my records. Please investigate and provide documentation proving the validity of this account. 



XXXX. Unauthorized or Inaccurate Hard Inquiries Companies : XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX. Inquired on XX/XX/XXXX & XX/XX/XXXX XXXX Inquired on XX/XX/XXXX I do not recall authorizing any of the above credit inquiries. These may have been made without my consent and could indicate fraudulent activity. Please investigate these inquiries and remove any that can not be verified with appropriate authorization.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-22 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Global Lending Services LLC
State: NV

Complaint narrative:
I Also need your assistance concerning the previous complaints I made concerning that unsafe XXXX XXXXXXXX XXXX  exclaim that I could have XXXX in because the air bags did not deploy and other problems easy to steal key fob and anti theft problems elite legal practice have all the recall notices and they even sent the lean holder global lending services a cease to decist letter dated XX/XX/XXXX and j struggled to get them paying them out of my va XXXX money XXXX est a month I fell behind so o have to wait until XXXX  legal practice get a new payment system that don't automatically terminate services to a client because of hardships sometimes the cease to decist letter case no is XXXX. Their telephone no is XXXX Global Lending Services are still trying to get over XXXX XXXX remaining for that piece of unsafe junk I got suckered into from XXXX XXXX of XXXX XXXXXXXX XXXX XXXX XXXX XXXX no is XXXXXXXX XXXX legal practice also have all three recall notices and other documents that's why they took the case to financially eliminate the debt I'm stuck with and the so called repossession that global lending services put on my credit reports when I told them to pick up thatbpiece of unsafe junk I could have got killed in that accident and the car could have been stolen I went through he'll trying to re establish my credit enough to get a XXXXXXXX XXXX  cheaper and better than that XXXX XXXXXXXX XXXX exclaim I got suckered into got the XXXX from XXXX XXXX XXXX XXXX XXXX they know how to treat a XXXX veteran unlike XXXX XXXX legal practice no is XXXX thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ONLINE Information Services, Inc.
State: LA

Complaint narrative:
This debt has been settled directly with XXXX See attached screenshot of proof of payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-22 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: CA

Complaint narrative:
As a direct result of a recent data breach, my personally identifiable information was compromised and misused without my knowledge or consent. This led to the appearance of unauthorized accounts, unfamiliar credit inquiries, and inaccurate late payment entries on my credit reportall of which I did not initiate, authorize, or recognize.

I am formally requesting a comprehensive reinvestigation into these accounts and inquiries under the Fair Credit Reporting Act ( 15 U.S. Code 1681i ), and I ask that all inaccurate, unverifiable, or fraudulent information be permanently removed from my credit file. I have enclosed supporting documentation, including an Identity Theft Report, to assist in resolving 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 2025-04-22 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: NV

Complaint narrative:
Columbia Debt Recovery has placed me in collections for {$25000.00} from a Landlord on an apartment I moved out of over 6 years ago. No written communication or anything was ever received from Columbia and this has come out of left field. This credit is taking advantage of vulnerable consumers like myself by holding my credit hostage.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-22 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: OH

Complaint narrative:
Consumer Reporting Agencies play a crucial role in gathering and assessing consumer credit information. However, they must exercise their responsibilities with fairness, impartiality, and respect for the consumers right to privacy. The banking system relies on accurate and fair credit reporting, and when these reporting methods are unfair, it undermines public trust, which is vital for the system 's stability. I never gave my explicit, written consent for these agencies to report my information, which is a violation of 15 U.S. Code 1681b ( 2 ). This violation has led to an alleged case of identity theft, breaching 15 U.S. Code 1681c-2. The accounts in question are not related to any transactions made by me. 

The Fair Debt Collection Practices Act was created to ensure that laws and procedures are in place to protect consumers from abusive, deceptive, and unfair practices by debt collectors. In this case, the company has violated 15 U.S. Code 1692f, which prohibits debt collectors from using unfair or unconscionable means to collect a debt. Specifically, they can not collect any amounts that arent explicitly authorized by the agreement or allowed by law. Additionally, the company has violated 15 U.S. Code 1692e, which prohibits the use of false, deceptive, or misleading representations in debt collection efforts. This includes using deceptive methods to collect a debt or gather consumer information. Moreover, they are forbidden from contacting consumers at inconvenient times or places, or engaging in behavior that harasses or abuses consumers. 

In this case, the company has harassed me by claiming I owe a debt that I do not recognize as my responsibility. They have also contacted me at inconvenient times and places, in violation of the law. 
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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 2025-04-22 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: NJ

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-04-22 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: NJ

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached 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 2025-04-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
I became aware of inaccurate personal information on my Transition credit report. I went through the proper channels to have them removed and updated, but this credit bureau insinuated I didn't do it.

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