vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-04 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: CA

Complaint narrative:
Im reaching out because XXXX consumer, financial department,. Experian, Trans Union and Equifax Are reporting inaccurate information on my credit report. 

The total of two charge off accounts first account ending in XXXX next account charge off XXXX. As defined by IRS the IRS considers a charge off to be income/either as gross or ordinary income, like this doesnt belong on a consumer credit report so this information on my report isnt accurate! By IRS rules any canceled debt or charge OFF. is classified as income reporting this as debt is incorrect. According to 15 USC 1681 5.2 FCRA. Account name as a provider of information to a credit reporting agency is prohibited by law from sharing inaccurate information. Im requesting that you block and delete both inaccurate accounts PER .15 USC 1681 a1a FCRA a person shall not furnace information relating to a consumer reporting agency if the person has been notified by the consumer at the address specified by the person for such notices that specific information is inaccurate and the information is in fact inaccurate Ive never received 1099C I dispute the validity of the debt

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-04 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: GA

Complaint narrative:
My accounts was exposed in data breach! Unknown Collection agencies being reported without debt validation. 
Unauthorized inquiries on 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 2025-05-04 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: GA

Complaint narrative:
My accounts was exposed in data breach! Unknown Collection agencies being reported without debt validation. 
Unauthorized inquiries on 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 2025-05-04 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:
I came into the office and dropped off my key to the apartment on the last day of my lease. I requested and set up an appointment before hand to walk the apartment before I left to be sure I have a Zero balance. I then was informed by the property manager that the apartment was walked by the maintenance supervisor and was cleared and a do not owe a balance. XXXX weeks later after turning in my keys, XXXX management ( property management company ) sent some one over to walk the apartment without me being present and charging me a balance even though I was cleared at the returning of my key. I believe XXXX XXXX violated the FDCPA ( Fair Debt Collection Practices Act ) and FCRA ( Fair Credit Reporting Act ) in order to make money on their investment property. 

Mean while, on XX/XX/XXXX I filed a dispute with COLUMBIA DEBT RECOVERY LLC DBA GENESIS for the the balance from the apartment. It is now XX/XX/XXXX and there has been no resolve or answer for my dispute. I would like the transaction removed from my credit report due to no response on dispute not violating the Fair Credit Reporting Act Original Creditor : XXXX XXXX XXXX Placed for collections on : XX/XX/XXXX Original Principal : {$2300.00} Current Principal : {$2300.00} Interest Due : {$96.00} Other Amount Due : {$0.00} Total Due : {$2400.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: DISCOVER BANK
State: CO

Complaint narrative:
Discover closed my account claiming I didnt confirm my identity, despite me submitting my ID and Social Security info. I was not notified of any issues or asked to submit anything else before the account was closed. I had a year of perfect payment history and even received a credit line increase from them without asking. I believe this closure was unjust and unfairly impacts my credit. I would like the account reinstated or an explanation of what exactly was missing. Im requesting CFPB review this closure for mishandling and lack of transparency.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BARCLAYS BANK DELAWARE
State: MI

Complaint narrative:
XXXX XXXX has reported to Barclay bank that one or more of my credit account accounts are delinquent. None of my accounts are delinquent, and none have been delinquent in the past including with barclay bank. This false information has had consequences.

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 2025-05-04 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: CA

Complaint narrative:
Im reaching out because XXXX consumer, financial department,. Experian, Trans Union and Equifax Are reporting inaccurate information on my credit report. 

The total of two charge off accounts first account ending in XXXX next account charge off XXXX. As defined by IRS the IRS considers a charge off to be income/either as gross or ordinary income, like this doesnt belong on a consumer credit report so this information on my report isnt accurate! By IRS rules any canceled debt or charge OFF. is classified as income reporting this as debt is incorrect. According to 15 USC 1681 5.2 FCRA. Account name as a provider of information to a credit reporting agency is prohibited by law from sharing inaccurate information. Im requesting that you block and delete both inaccurate accounts PER .15 USC 1681 a1a FCRA a person shall not furnace information relating to a consumer reporting agency if the person has been notified by the consumer at the address specified by the person for such notices that specific information is inaccurate and the information is in fact inaccurate Ive never received 1099C I dispute the validity of the debt

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 2025-05-04 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: FL

Complaint narrative:
I did not authorize these inquiries and have no knowledge of any application for credit with the associated entities. I believe these may be the result of identity theft or fraudulent activity. According to the Fair Credit Reporting Act ( FCRA ), only inquiries made with my written authorization or in connection with a permissible purpose should appear on my credit report.

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 2025-05-04 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: OH

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, CHALLENGED OR NOT.

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 2025-05-04 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: PA

Complaint narrative:
I have major concerns about some unrecognizable accounts that have been listed on my credit reports. I need the accounts listed to be removed based on the fact that I had no knowledge of their existence. I am a victim of Identity Theft. I reported the theft of my identity to The Federal Trade Commission, and I do obtain enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. I am requesting the removal of the incorrect items listed, please advise. I do appreciate your team 's hard work and dedication in advance, Thank you for your time.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-04 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: CA

Complaint narrative:
I am filing a formal complaint regarding the {$20000.00} collection account listed as XXXX XXXX XXXX XXXX '' with the original debt from XXXX XXXX XXXX XXXX. " This account stems from a residential lease that was jointly signed by me and my former boyfriend, with whom I was not married. As co-tenants, we were both equally responsible for the lease, but the full balance is being reported solely in my name. This is inaccurate and misleading. 

Additionally, the move-out statement I received from the property manager states the final balance as {$20000.00}, yet the amount listed on my credit report is {$20000.00}. That {$300.00} discrepancy has never been explained, and I have not received any itemized breakdown or verification of the total debt. 

I have disputed this account with XXXX TransUnion, and XXXX XXXX XXXX XXXX multiple times, but the information has not been corrected or updated. The account remains on my report, with no acknowledgment of shared liability or the billing error. 

This inaccurate collection has also caused significant damage to my credit score, which dropped substantially after the account was reported. Although I do not know the exact number of points lost, the decline has been enough to disqualify me from housing, loans, credit cards, and even new bank accounts. 

The ongoing presence of this collection account has had a severe and continuing impact on my life. I have been homeless since XX/XX/year>, as no housing providers will approve me with this large unpaid balance showing on my report. The emotional and financial toll has been immense, and this unresolved error continues to block my ability to secure permanent housing or rebuild 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 non-monetary relief
Consumer complaint received 2025-05-04 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:
I am filing a formal complaint regarding the {$20000.00} collection account listed as XXXX XXXX XXXX XXXX '' with the original debt from " XXXXXXXX XXXX XXXXXXXX. " This account stems from a residential lease that was jointly signed by me and my former boyfriend, with whom I was not married. As co-tenants, we were both equally responsible for the lease, but the full balance is being reported solely in my name. This is inaccurate and misleading. 

Additionally, the move-out statement I received from the property manager states the final balance as {$20000.00}, yet the amount listed on my credit report is {$20000.00}. That {$300.00} discrepancy has never been explained, and I have not received any itemized breakdown or verification of the total debt. 

I have disputed this account with EquifaxXXXX XXXX, and XXXX XXXX XXXX XXXX multiple times, but the information has not been corrected or updated. The account remains on my report, with no acknowledgment of shared liability or the billing error. 

This inaccurate collection has also caused significant damage to my credit score, which dropped substantially after the account was reported. Although I do not know the exact number of points lost, the decline has been enough to disqualify me from housing, loans, credit cards, and even new bank accounts. 

The ongoing presence of this collection account has had a severe and continuing impact on my life. I have been homeless since XX/XX/year>, as no housing providers will approve me with this large unpaid balance showing on my report. The emotional and financial toll has been immense, and this unresolved error continues to block my ability to secure permanent housing or rebuild my credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-04 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: IL

Complaint narrative:
I completed a dispute with Equifax in regards to a Medical collection being added to my credit report. According to the all NCRAs no debt of medical collection can be added to a consumers report if the debt is under {$500.00}. I requested that the account be removed however the response was that the debt of {$84.00} was verified as belonging to me. This is information from Equifax website. 
Effective XX/XX/XXXX, unpaid medical collection debt with an initial reported balance of under {$500.00} will no longer be included on consumer credit reports. In addition, as of XX/XX/XXXX, paid medical collection debt is no longer included on consumer credit reports. And the time period before unpaid medical collection debt appears on a consumer 's report increased from 6 months to one year. Each person 's credit profile is unique and individual credit score impacts will vary.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: PA

Complaint narrative:
On XX/XX/year>, at XXXX pm, I purchased a tv online from what I believed was XXXX for {$110.00}. After purchasing, I received an email proof of purchase and tracking information that was mostly written in XXXX. I went on the Chime app to stop payment and was not able to. The next morning, I contacted XXXX customer service, which informed me I had been scammed. They do not sell TVs, and there have been prior incidents where their website was hacked and hackers posed as the online shopping site. I immediately called Chime customer service and explained to them all of this and asked them to stop or reverse the payment. They told me at this time they were not capable of doing anything, because the transaction was still pending. I would have to wait for the purchase to go through and then call back and file a complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-04 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:
b"for 2 years i've been trying to get Experian, XX/XX/XXXX& XX/XX/XXXXto investigate and fix the information erroneously put on my credit report, for a month or two it was removed from my credit report only to be put back months of being removed.I've never experienced anything as such, XX/XX/XXXX, XX/XX/XXXXremoved the accounts but only EXPERIAN kept\nreporting the erroneous even after proving they made a mistake they only updated and commingled other info with my information. I believe Experian never investigated the facts about these accounts. XX/XX/XXXXALL  REPORTED ERRONEOUSLY MUST BE DELETED FROM MY ACCOUNT."

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 2025-05-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Adjusters, LLC
State: OH

Complaint narrative:
When I checked by credit report on XXXX XXXX I noticed a collection account on there for {$240.00}. Its says the Original creditor is NCA. 

I do not even know who NCA is, nor do I know where this came from. I filed for XXXX XXXX bankruptcy in XX/XX/XXXX, it was discharged in XX/XX/XXXX. I should not not have any loans in collection as there were all included in that. 

I disputed it on almost 2 months ago on XXXX XXXX, XXXX with XXXX through XXXX XXXX and it still says in review I just now talked to a customer service agent and he said it was a verified account. So why doesnt it say that on my end? And why do I have a random {$240.00} in collection from an unknown company?

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-04 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: PA

Complaint narrative:
I have major concerns about some unrecognizable accounts that have been listed on my credit reports. I need the accounts listed to be removed based on the fact that I had no knowledge of their existence. I am a victim of Identity Theft. I reported the theft of my identity to The Federal Trade Commission, and I do obtain enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. I am requesting the removal of the incorrect items listed, please advise. I do appreciate your team 's hard work and dedication in advance, Thank you for your time.

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 2025-05-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
I have 16 inquires because people was running hard pulls on my credit without permission.. There is someone that hacked my social not too long ago. I just want to get my credit back on track.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC.
State: OK

Complaint narrative:
EQUIFAX HAS LOWERED MY SCORE BY XXXX POINTS ON A CREDITOR THAT HAS ALREADY SOLD MY INFORMATION ILLEGALLY ON A CLOSED ACCOUNT THATS WAS WRITTEN OFF BY INSURANCE SETTLEMENT AND XXXX OUT ON MY REPORT. ITS NOT PHYSICALLY SHOWING ON MY REPORT AS A DEBT. HOWEVER, IT CHANGED MY REPORT WITHOUT ME KNOWING OR WHY AND HOW THEY CAN JUST DROP MY SCORE BY XXXX POINTS ILLEGALLY. THE SAME THING HAPPENED ON TRANSUNION AND I STILL DON'T KNOW WHY MY SCORE DROPPED XXXX POINTS WITHOUT ANY DEBT CHANGES.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-04 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: IL

Complaint narrative:
I am a victim of identity theft and this is my official statement of the crime. These items do not belong to me and they need to be removed from my credit report. I have filed an official complaint with the FTC on this date. All other legal and government agencies have been officially notified under the FCFIA and the fraud entries must be removed immediately, or further legal action will be taken against the credit bureaus. Thank you in advance.

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 2025-05-04 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: MA

Complaint narrative:
XXXX XXXXXXXX XXXX. Phone call. No Message left. 
XXXX XXXX XXXX. Phone call. No Message left.

XXXX XXXX XXXX Phone call. No Message left. 
XXXX XXXX XXXX. Phone call. Answered. No one there. 

The number comes up as " Portfolio Recovery ''. Tried calling them directly several times, but no answer. Online research indicates potential scam/fraud activity. 
We have no known outstanding debts with a healthy credit score.

Company response to consumer: Closed with explanation