vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-13 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: TX

Complaint narrative:
I am writing to formally dispute the inaccurate, unverifiable, and noncompliant information being reported on my XXXX consumer credit report. I am asserting my rights under the Fair Credit Reporting Act ( FCRA ), Consumer Financial Protection Act ( CFPA ), and citing direct violations confirmed by the CFPBs XX/XX/XXXX lawsuit against EQUIFAX * * I am a victim of malpractice and broken laws based on the XX/XX/XXXX lawsuit against EQUIFAX. * * And XXXXm also filling this complaint due to XXXX repeated violations of federal consumer protection laws, failure to process my identity theft claims, reinsertion of accounts without notice, and continued reporting of inaccurate and noncompliant credit data. Despite multiple formal disputes, XXXX has failed to meet its obligations under : - 15 U.S.C. 1681i Failure to conduct a reasonable reinvestigation - 15 U.S.C. 1681i ( a ) ( 2 ) Failure to forward all submitted documentation to furnishers - 15 U.S.C. 1681e ( b ) Failure to maintain maximum possible accuracy - 15 U.S.C. 1681c-2 Failure to block fraudulent accounts upon identity theft report - 18 U.S.C. 1028 Identity Theft and Assumption Deterrence Act - FACTA Fair and Accurate Credit Transactions Act of 2003 - XXXX XXXX Compliance Standards Personal Information Inaccuracies XXXX continues to list fraudulent and inaccurate addresses on my credit file, despite receiving my government-issued ID and utility documentation. The only valid address that should appear is listen in the letter All others are the result of identity theft or XXXX data mishandling. 
Accounts Reported in Violation of Federal Law Accounts reinserted without MOV or consumer notice, XXXX XXXX violations ( codes 30/31 ), FCRA 1681c-2 and 1681i ( a ) ( 2 ) violations Pattern of Misconduct EQUIFAX Lawsuit Reference This is not isolated. The CFPB filed suit against EQUIFAX in XX/XX/XXXX ( XXXX XXXX ) for failing to forward disputes, illegally reinserting accounts, and disregarding identity theft claims the very same conduct Im reporting here. I am directly experiencing the same violations as outlined in that case

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year> Subject : Dispute of Inaccurate Credit Reporting by Equifax XXXXXXXX XXXX XXXX XXXX, and XXXX Accounts Dear CFPB, I am writing to formally dispute inaccurate information being reported on my credit report by Equifax related to my accounts with XXXX XXXX XXXX XXXX, and XXXX. 

According to my records and payment history, the balance for these accounts has been fully paid, and there is 0 % left to pay on each and current status and worst status should be current. Furthermore, I have consistently made 100 % of payments on time as agreed in the terms of these accounts. 

Despite this, Equifax continues to report incorrect outstanding balances and fails to reflect the accurate payment history. This inaccurate reporting is adversely affecting my credit score and financial reputation. 

I have already contacted Equifax several times and since XX/XX/year>, but the error remains unresolved. I am requesting your assistance to ensure that Equifax corrects this misinformation promptly to accurately reflect that the accounts have been fully paid with no outstanding balance and a perfect payment history. 

Thank you for your attention to this matter. Please confirm receipt of this dispute and keep me informed about any actions taken. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I am writing to formally dispute the accuracy and validity of the accounts listed below. Under FCRA Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ), you are legally required to provide proper verification of these accounts. To date, no such verification has been provided. If you can not substantiate these entries with original documentation from the furnisher, you are required to remove them immediately. 
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 2025-08-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : XXXX XX/XX/XXXX TransUnion XXXX XXXX TransUnion XXXX XXXX XXXX XXXXXX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX TransUnion XXXX XXXXXX/XX/XXXX TransUnion XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX TransUnion As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you

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 2025-08-13 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: TX

Complaint narrative:
I only owe the creditor {$4400.00} ; however, theyve unethically added {$3000.00} to the balance. Additionally, they received and acknowledged via a recorded call of my request for an itemized ledger. They asserted the creditor failed to relinquish the information ; but, proceeded to send the account to collections without reviewing concrete evidence to dispute the charges. More complaints to follow. The email below was sent to them XX/XX/XXXX @ XXXXXXXX XXXX Hello, Im disputing the amount listed. I do recall the unethical management company charging me an early termination fee which is false. My lease ended on XX/XX/XXXX and I vacated the property on XX/XX/XXXX. Additionally, Im attaching a letter from their attorney advising me vacate at the end of the lease. There is no way they could charge me an early termination fee in this instance. Please send me a copy of the charges to review post the early termination fee deduction. Ive been unemployed for years and my dad offered to pay them every XXXX owed before all the egregious/erroneous charges ; however, they refused to accept payment. 
XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Atlanticus Services Corporation
State: TX

Complaint narrative:
Company is alleging I owe a debt and wishing to collect. I have no knowledge of this debt at all.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I discovered incorrect accounts on my credit report, and I have no idea how they got there. I regularly check my report, but this time, unexpected discrepancies appeared. I even tried refreshing my browser, thinking it might be a glitch, but the errors remained. Since this issue persists, I request a thorough review of the documents Ive submitted so that I wont have to worry about this problem again.

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 2025-08-12 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:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and XXXX XXXX that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

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 2025-08-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
sent to the furnishing or reporting of the following items : XXXX XXXX XX/XX/XXXX TransUnion XXXXXXXX XXXX XXXXXX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXXXX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX  Experian XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XXXXXX/XX/XXXX Experian XXXX XX/XX/XXXX Experian XXXXXXXX XXXX XXXX XX/XX/XXXX Experian XXXX XX/XX/XXXX Equifax XXXX XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax ( Hard Inquiries on credit Under 15 U.S.C. 1681b ( a ) ( 2 ), consumer reporting agencies are strictly prohibited from furnishing consumer credit information without explicit consent from the consumer. I affirm that I did not con report ) Despite my lawful request, you have continued to report collection activities without furnishing the required verification or providing documentation such as a judgment.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Continental Finance Company, LLC
State: GA

Complaint narrative:
Unauthorized entities have opened and reported fraudulent accounts, using my identity without my authorization, violating my rights under the Fair Credit Reporting Act ( 15 U.S.C. Section 1681b,1681c ) and 605B. These entities are reporting inaccurate and unverified information, constituting identity theft and violating my legal rights to accurate credit reporting and privacy. I demand immediate removal and permanent blocking of all fraudulent accounts on all my credit reports, at all credit reporting agencies and bureaus, cessation of all collection activities related to these accounts, and full compliance with the FTC and CFPB regulations. Continued reporting or collection without proper validation violates federal law and may result in legal action. I assert my rights to protect my identity and ensure accurate credit reporting. I demand prompt investigation and immediate removal, and blockage of all fraudulent information in accordance with federal law to prevent further harm thereof. 
The following are accounts affected : 1. Continental Fin Co Account Number : XXXX Date fraud began : XX/XX/XXXX Date that I discovered it : XX/XX/XXXX Total fraudulent amount : {$740.00} 2. XXXX XXXX XXXX Account Number : XXXX Date fraud began : XX/XX/XXXX Date that I discovered it : XX/XX/XXXX Total fraudulent amount : {$210.00} 3. XXXX XXXX XXXX XXXX Account Number : XXXX Date fraud began : XX/XX/XXXX Date that I discovered it : XX/XX/XXXX Total fraudulent amount : {$740.00} 4. XXXX XXXX XXXX Account Number : XXXX Date fraud began : XX/XX/XXXX Date that I discovered it : XX/XX/XXXX Total fraudulent amount : {$880.00} 5. XXXX XXXX Account Number : XXXX Date fraud began : XX/XX/XXXX Date that I discovered it : XX/XX/XXXX Total fraudulent amount : {$480.00}

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 2025-08-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
On XX/XX/XXXX, my wallet was stolen from my vehicle after it was unlawfully entered while parked at a public location. My wallet contained personal identification and financial information. 



Several months later, I discovered that a fraudulent credit account had been opened in my name with XXXX without my authorization. On XX/XX/XXXX, I submitted a complaint to the CFPB, and on XX/XX/XXXX, I reported the fraud directly to XXXX. 



XXXX has provided written confirmation that the account is fraudulent and that it will be deleted from my credit report within 30 to 60 days. However, despite this clear acknowledgement from the company, the account remains on my credit report and continues to harm my credit profile.

This ongoing inaccuracy is a direct violation of the Fair Credit Reporting Act, which requires furnishers and credit bureaus to promptly correct or delete information that is found to be inaccurate or unverifiable. I am requesting the CFPBs immediate intervention to ensure that : XXXX instructs all credit bureaus to remove the fraudulent account without further delay, and All three credit bureaus promptly update my credit file to reflect the deletion. 



This matter has already been investigated and confirmed by the furnisher, so there is no legitimate reason for the account to remain on my credit report any longer.

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 2025-08-12 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: MD

Complaint narrative:
Pursuant to my rights under the Fair Debt Collection Practices Act, specifically 15 U.S.C. 1692g, I formally requested validation of the alleged debts referenced as collection account opened at XXXX XXXX  on XX/XX/XXXX account number XXXX * * * * * * * * * * collection account opened at XXXX XXXX  on XX/XX/XXXX account number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Credit Card account opened at XXXX on XX/XX/XXXX account number XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX collection account opened at XXXX  XXXX on XX/XX/XXXX account number XXXXXXXX XXXX XXXX  collection account opened at XXXX XXXX  on XX/XX/XXXX account number XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX collection account opened at XXXX XXXX  on XX/XX/XXXX account number XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX * * collection account opened at XXXX  XXXX on XX/XX/XXXX account number XXXXXXXX XXXX XXXX collection account opened at XXXX XXXX on XX/XX/XXXX account number XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  * collection account opened at XXXX XXXX  on XX/XX/XXXX account number XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX collection account opened at XXXX  XXXX on XX/XX/XXXX account number XXXXXXXX XXXX XXXX Despite my lawful request, you have continued to report collection activities without furnishing the required verification or providing documentation such as a judgment.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-12 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:
Between XXXX and XXXX, multiple credit reporting entries have been reported that contain adverse payment history, late payments, and inquiries directly connected to my documented status as a XXXX  XXXX survivor. 
I have previously provided the credit reporting agencies with federally recognized proof of my victim determination under the XXXX  Victims Protection Act ( TVPA ) and have requested suppression or removal of negative information under FCRA 605C. Despite this, the credit reporting agencies have failed to block the adverse information. 

Specifically : XXXX XXXX ( opened XX/XX/XXXX ) XXXX late payment entries between XXXX, including XXXX, XXXX, XXXX, XXXX, and XXXX day late notations. Current balance {$980.00}, credit limit {$1100.00}. 
XXXX XXXX XXXX XXXX ( opened XX/XX/XXXX ) XXXX late payment in XX/XX/XXXX, current balance {$9900.00}, credit limit {$10000.00}. 
Multiple hard inquiries made without my fully informed consent during the XXXX  period or as a direct result of coercive control, including : XXXX XXXX  XXXX via XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX These negative items and inquiries are directly tied to my XXXX  victimization, as they resulted from identity control, coerced debt, and financial exploitation. The accounts themselves remain valid and open ( or closed in good standing ), and I am not requesting their deletion only the suppression or removal of derogatory payment history and inquiries in accordance with FCRA 605C. 
I am requesting immediate compliance with FCRA 605C by removing or blocking all adverse information related to my XXXX  from my credit reports with TransUnion, Experian, and Equifax.

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 2025-08-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: SmartCredit LLC
State: TN

Complaint narrative:
Smart credit on XXXX XXXX, XX/XX/year> the company is still trying to use my credit card to get a payment, after canceling my service with them.

Company response to consumer: Untimely response