vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-11 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:
Under the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681 et seq., I have the right to dispute inaccurate, incomplete, or unverifiable information on my credit report. Once a dispute is submitted, credit reporting agencies and data furnishers ( creditors ) are legally required under 15 U.S.C. 1681i and 1681s-2 ( b ) to conduct a reasonable investigation and delete or correct any information found to be inaccurate or unverifiable within 30 days.

Despite following proper dispute procedures with the credit bureaus and the data furnishers, the inaccurate information remains on my credit reports. This is a direct violation of my consumer rights under the FCRA. Specifically : The accounts in question are factually incorrect and/or unverifiable, and therefore must be deleted from my credit reports per 15 U.S.C. 1681i ( a ) ( 5 ) ( A ).

The data furnishers have continued to report this incorrect information without providing proper investigation or verification, in violation of 15 U.S.C. 1681s-2 ( b ).

I am requesting that the CFPB investigate this matter and take enforcement action, if necessary, to ensure that the involved creditors and credit bureaus are held accountable. I am also formally requesting deletion of the inaccurate accounts from all three credit reporting agencies as they are either not verified, outdated, or incorrect.

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 2025-07-11 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: IL

Complaint narrative:
I have not supplied under the doctrine of estoppel by the silence of Engelhardt v Gravens ( mo ) 281 SW715,719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists. ( please remove these accounts before I seek litigation for defamation of character ) XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-07-11 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: IL

Complaint narrative:
I have not supplied under the doctrine of estoppel by the silence of Engelhardt v Gravens ( mo ) 281 SW715,719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists. ( please remove these accounts before I seek litigation for defamation of character ) XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-11 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: TX

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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 2025-07-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
I continue to open an account but it wont allow me to.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-11 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: OK

Complaint narrative:
I used to live in an apartment complex in XXXX XXXXXXXX. When I moved they attacked me with a I believe a XXXX dollar debt, this was around XXXX. It went to collection and now Genesis Credit Management LLC has it. They had it for a few years now. But every few months they re age the debt. Dropping my credit by 30+ points everytime. I never received any paper or any calls from them. Even if i did, they should not be re aging it. They also keep raising the amount. I Googled what I should do and was lead to you guys. I truly hope you can help me. They have been destroying my life. Just a few weeks ago in XX/XX/XXXX they reared it again. This is the biggest drop of all and about the 3rd time they did this.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-11 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 am submitting this complaint in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681 et seq., regarding inaccurate and unverifiable information being reported by several furnishers to the credit bureaus, as well as unauthorized inquiries appearing on my credit reports. 
XXXX XXXXXXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXXXXXX XXXX XXXXXXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XX/XX/year> XXXX XX/XX/year> 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 explanation
Consumer complaint received 2025-07-11 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:
The following companies continue to report inaccurate information on my credit report, after several attempts to correct the problem they have not sent any re-investigation information they keep sending back verified. However, they are not following FCRA guidelines with sending me the proper documentation of their re-investigation. 
XXXX XXXX  # XXXX XXXX  # XXXX XXXX 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 2025-07-11 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 assist me in launching an investigation regarding these accounts, as they appear to be inaccurately reported on my credit file. In line with USC 1681g, I am requesting their removal within the next 15 days. Enclosed are the necessary documents for your review. I would also like to point out that the information reported by the credit bureaus is conflicting and contains errors.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-11 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: MD

Complaint narrative:
I pulled my credit report and noticed these unauthorized hard inquires that were not initiated by me they are listed below. Please remove immediately as a results of identity theft XXXX XXXX XXXX XXXX XXXX EXPERIAN XXXX XXXX XXXX EXPERIAN XXXX XXXX XXXX EXPERIAN XXXX XXXX XXXX EXPERIAN XXXX XXXX XXXX EXPERIAN

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 2025-07-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Spring Oaks Capital, LLC
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Phone : XXXX Email : XXXX Date : XX/XX/XXXX Re : Identity Theft Dispute Under FCRA 605B Request to Block Fraudulent Items To Whom It May Concern, I am writing to formally dispute fraudulent and inaccurate information appearing on my credit file. I am a victim of identity theft and a confirmed victim of the XXXX XXXX Data Breach, during which my personal information was exposed without my consent. I have included a copy of my FTC Identity Theft Report ( Report # : XXXX ) detailing the affected accounts. 
Pursuant to the Fair Credit Reporting Act ( FCRA ) 605B, I demand that you permanently block the following fraudulent accounts and hard inquiries from my credit report within four ( 4 ) business days of receipt of this notice and accompanying documentation.

Fraudulent Accounts to Be Removed : 1. XXXX XXXX Account # : XXXX Opened : XX/XX/XXXX Fraud Discovered : XX/XX/XXXX Amount : {$270.00} 2. XXXX XXXX XXXX  Account # : XXXX Opened : XX/XX/XXXX Fraud Discovered : XX/XX/XXXX Amount : {$60.00} 3. XXXX XXXX Account # : XXXX Opened : XX/XX/XXXX Fraud Discovered : XX/XX/XXXX Amount : {$17000.00} 4. Spring Oaks Capital LLC Account # : XXXX Opened : XX/XX/XXXX Fraud Discovered : XX/XX/XXXX Amount : {$2100.00} Fraudulent Hard Inquiries to Be Removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX These entries are the result of identity theft and data breaches. I did not authorize or initiate any of these accounts or inquiries. The continued reporting of this information is damaging, inaccurate, and in violation of federal law. You are obligated under FCRA 605B to take corrective action immediately.

Enclosed Documentation : Government-issued photo ID Proof of current address FTC Identity Theft Report ( # XXXX ) This signed letter and affidavit Highlighted credit report with disputed items Please confirm in writing once these items have been permanently blocked and removed from my credit file. If you fail to act within the time required, I am prepared to escalate this matter by filing complaints with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and Georgia Attorney Generals Office. 
Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-11 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: Colony Brands, Inc.
State: TX

Complaint narrative:
b'XXXX XXXX , XXXX XXXX ss number,XXXX  n XXXX XXXX XXXX XXXX XXXX  tx , my dispute is with Ginnys the dispute only took 20 hours to investigate I submitted the account has no phone number for them and this was not a credit card account I have requested for proof for years no resolve or change'

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-11 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Chime Financial Inc
State: AZ

Complaint narrative:
On XX/XX/year> at XXXX, I used my digital wallet on my XXXX, to transfer {$89.00} from my XXXX XXXX account to my Chime account instantly for a charge of {$1.00}. At that time I still had not received my new debit card but still had my chime account set up in wallet. Once transferred, I never received any of my money and Chime refused to help because they see no transaction. I reported the issue to chime every way possible and was told I could not file a complaint or start a dispute because they see no transaction. I have documentation, emails and phone calls from XXXX and XXXXXXXX XXXX XXXX that says Chime definitely received the transaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-11 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: FL

Complaint narrative:
I am formally disputing the presence of fraudulent information on my credit file. I did not open or authorize the accounts in question, and they are the result of identity theft or unauthorized use of my personal information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I recently obtained a copy of my credit report and noticed several accounts listed under my name that I did not open. These include credit cards, auto loans, and other unfamiliar accounts. I believe these accounts are fraudulent and the result of identity theft. 

In 2011, I lost my purse after accidentally leaving it on top of my car. The purse contained my drivers license, Social Security card, and other personal identifying information. Unfortunately, I was never able to recover the purse. At the time, I did not realize the risk or that my information might be used fraudulently. 

Recently, I began to see accounts on my credit report that I do not recognize and did not authorize. I have reason to believe someone has used my personal information to open these accounts without my knowledge or 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 2025-07-11 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: MD

Complaint narrative:
Account Name : XXXXXXXX XXXX XXXXXXXXXXXX Account Number : XXXX I'm writing to dispute inaccurate information thats being reported on my credit file regarding a XXXX XXXX XXXXXXXX credit card account ( Account # XXXX ). 

This account was * * settled and paid on XX/XX/XXXX * *, yet it's still being reported as a * * charge-off * * in the months after it was closed and resolved. Thats not just unfair it's misleading. It makes it look like Im still not paying the account, even though XXXX XXXX XXXXXXXX accepted the settlement and the balance was cleared. 

In addition : - The account shows * * CO ( charge-off ) * * status even after it was paid, which makes no sense. 
- The * * delinquency dates and balance history * * are all over the place it doesnt match what actually happened. 
- It looks like the * * first delinquency * * was back in XX/XX/XXXX, but the account is showing damage for years after. That feels like its being stretched out longer than allowed, which may break credit reporting rules.

This information is hurting my credit, and its not being reported accurately or fairly. Im asking you to : 1. Fix or delete any charge-off notations after the account was paid in XX/XX/XXXX. 
2. Verify the original delinquency date and remove anything older than 7 years.

3. Remove the account entirely if it cant be 100 % confirmed as accurate.

Ive attached a copy of my credit report, along with proof of my identity and address.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-11 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: MD

Complaint narrative:
Account Name : XXXXXXXX XXXX XXXXXXXXXXXX Account Number : XXXX I'm writing to dispute inaccurate information thats being reported on my credit file regarding a XXXX XXXX XXXXXXXX credit card account ( Account # XXXX ). 

This account was * * settled and paid on XX/XX/XXXX * *, yet it's still being reported as a * * charge-off * * in the months after it was closed and resolved. Thats not just unfair it's misleading. It makes it look like Im still not paying the account, even though XXXX XXXX XXXXXXXX accepted the settlement and the balance was cleared. 

In addition : - The account shows * * CO ( charge-off ) * * status even after it was paid, which makes no sense. 
- The * * delinquency dates and balance history * * are all over the place it doesnt match what actually happened. 
- It looks like the * * first delinquency * * was back in XX/XX/XXXX, but the account is showing damage for years after. That feels like its being stretched out longer than allowed, which may break credit reporting rules.

This information is hurting my credit, and its not being reported accurately or fairly. Im asking you to : 1. Fix or delete any charge-off notations after the account was paid in XX/XX/XXXX. 
2. Verify the original delinquency date and remove anything older than 7 years.

3. Remove the account entirely if it cant be 100 % confirmed as accurate.

Ive attached a copy of my credit report, along with proof of my identity and address.

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 2025-07-11 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: Bread Financial Holdings, Inc.
State: PA

Complaint narrative:
According to 15 usc 1681 I have the right to dispute inaccurate and unverifiable information that's on my credit report. I disputed multiple times with credit bureaus and its coming back as updated & verified without a proper investigation. the company failed to send me any of the information i requested even with my other complaint they never sent verification of debt, the original contract bearing my signature and explanation of the amount and how it was calculated

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-11 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: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
According to 15 usc 1681 I have the right to dispute inaccurate and unverifiable information that's on my credit report. I disputed multiple times with credit bureaus and its coming back as updated & verified without a proper investigation. the company failed to send me any of the information i requested even with my other complaint they never sent verification of debt, the original contract bearing my signature and explanation of the amount and how it was calculated

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-11 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: CA

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN

Complaint narrative:
I disputed the items multiple times and asked for proof that I owe the balance but did not receive it. In XXXX, XXXX, and 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