vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-13 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: PA

Complaint narrative:
To Whom It May Concern, My name is XXXX XXXX XXXX XXXX, and I am formally asserting my rights as a consumer under federal law to dispute and demand the removal of inaccurate and unverifiable accounts reported on my credit file.

Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i ( a ), and the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, I am demanding the immediate investigation and deletion of the following accounts currently listed on my credit report, which I assert are either inaccurate, incomplete, unverified, or reported without proper validation.

Furthermore, under 15 U.S.C. 1681s-2 ( a ), data furnishers are prohibited from reporting information that they know or have reasonable cause to believe is inaccurate. The continued reporting of such accounts without proper investigation or supporting documentation constitutes a willful violation of federal law. Additionally, according to 15 U.S.C. 1692c ( c ), I have the right to request that collection activity cease unless proper validation is provided.

Therefore, I demand the following : 1. Immediate removal of all disputed accounts from my credit reports across all bureaus ( Experian, Equifax, TransUnion ).

2. Full validation and verification of each account, including original signed contracts and chain of custody of debt ownership ( not merely statements or internal records ).

3. If validation can not be provided within 30 days, as required under the FCRA, the accounts must be permanently deleted.

4. Confirmation in writing that these accounts have been removed or, alternatively, all supporting documentation that proves their accuracy and ownership.

Be advised that failure to comply with this request may result in formal complaints being filed with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my State Attorney General 's office.

This letter serves as formal notification of a dispute and a request for investigation under the FCRA. Please provide a written response to this dispute, along with the results of your investigation, within the legally mandated 30-day period. 

Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-13 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I looked at my Experian credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-13 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 debt owed to XXXX XXXX was written off as a loss closed account for XXXX XXXX and sold to a collection agency. I no longer want this account on my credit and they have not deleted it.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-13 00:00:00
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: WA

Complaint narrative:
I called Columbia Debt management twice on XX/XX/25 and XX/XX/25, to try to settle the debt in exchange for them to delete the account. I had requested in writing and to negotiate the amount as I am currently in hardship. Each time, the agents threatened to garnish my wages if I did not pay now. I keep attempting to get debt validation sent to prove the debt is mine and in response I was told that it came back verified and they can extend the time the collection is on my report so it can damage my credit more. Once I told them that what they are doing is illegal, they then hung up on me on XX/XX/25 and on XX/XX/25 they kept talking over me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: Block, Inc.
State: NC

Complaint narrative:
A few weeks ago my bank account was hacked such as checking and savings account number as well as my cash app information which is a third party you all support. So I have been reporting this situation for weeks now and my bank could not really do much since the funds were taken out of my account on the cash app end. Whoever logged in and had my information added a chime card ending in XXXX to my cash app. My personal debit card has been linked to my cash app for years now. The fraudster was able to transfer my funds from my card to their XXXX  card and was able to get all of my money. After it was done they then removed cards. When the incident first happened I closed all my accounts and blocked everything at the bank then called cash app support. They have been rude to me and not helpful at all since this situation has happened and basically tried to say I completed the transaction. I was at work when this happened and can not be on my phone while at work unless I am at break or on lunch. I have did more research then any of them have and even work at the bank so I know protocol and would never send someone all of the money out of my account. I have been without money since this incident and will do everything I have to to get my money back including reporting cash app themselves so they can be taken away.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-13 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
This false information is misrepresenting my identity and harming my creditworthiness. These errors are in direct violation of the Fair Credit Reporting Act ( FCRA ), including but not limited to : - * * 15 U.S.C. 1681e ( b ) * * - Credit reporting agencies must follow reasonable procedures to assure maximum possible accuracy of the information. 
- * * 15 U.S.C 1681i ( a ) - Consumers have the right to dispute inaccurate or incomplete information and to have it investigated and corrected.

- * * 15 U.S.C 1681g * * - I have a right to full disclosure of what is on my credit file, including the source of false names or addresses.

- * * 15 U.S.C 1681 s-2 ( a ) ( 1 ) ( A ) * * - Furnishers of information are prohibited from reporting inaccurate data. 

Summary of the Problem : False personal identifiers such as alternate names or addresses are listed on my credit report. These entries are not and have never been associated with me. Their presence could be a result of file mixing, identity confusion, or reporting errors by a data furnisher.

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 2025-05-13 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I did not consent to authorize nor benefit from the following account ( s ). Block and Remove!

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 2025-05-13 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: CA

Complaint narrative:
I did not consent to authorize nor benefit from the following account ( s ). Block and Remove!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-13 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: TX

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in 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 2025-05-13 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: TX

Complaint narrative:
I am filing this complaint regarding a debt that is being reported to all three major credit bureaus by a collection agency on behalf of a property management company related to the address XXXX XXXX XXXX XXXX, XXXX, XXXX  XXXX. 

Between XX/XX/XXXX and XX/XX/XXXX, I was temporarily associated with this property, but at no point did I sign a lease or enter into a legally binding rental agreement. There is no executed contract between myself and the property management company. 

Despite this, I have been sent to collections for an alleged debt tied to this property. I have repeatedly requested documentation to validate the debtspecifically a copy of a lease agreement with my signatureand have not been provided any proof by the property XXXX or the collection agency. 

They have continued to report this unverified and unsubstantiated debt to XXXX XXXX, and XXXX, which is damaging my credit. This action violates my rights under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). 

I am requesting the CFPB to investigate this matter, stop the unlawful reporting, and remove the unverifiable debt from my credit reports.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-13 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: LA

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-13 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: Experian Information Solutions Inc.
State: MO

Complaint narrative:
I have received fraudulent calls ( potentially unrelated ) regarding an old credit card debt that I paid in XX/XX/XXXX both of that last XXXX times I have lifted a freeze on my credit for legitimate purposes. 

However, my current concern is that an agency calling themselves XXXX XXXX XXXXXXXX XXXX requested my credit report from Experian. The purpose they gave Experian was opening a new installment loan. I have not applied for a new loan since XXXX, which was why my credit was unfrozen. 

The company calling themselves XXXXXXXX XXXX  XXXX XXXX provided Experian with the address XXXX XXXX XXXX  XXXX, XXXX XXXX, CA XXXX, which is a legitimate office building, but where the businesses each have a suite number. The phone number they provided is ( XXXX ) XXXX, which when I attempted to call, led to a voicemail with a generic outgoing message. I did not provide them with any of my information as I do not know if the number even leads to the supposed agency claiming to offer loan services. 

I have since frozen my credit with all XXXX  credit reporting agencies, but am upset that this unauthorized hard check of my credit by what appears to be an illegitimate agency will remain on my credit report for XXXX years.

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 2025-05-13 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: IL

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 2025-05-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
I am disputing Capital One 's claim that I have had activity on a Capital One account. I have never had a charged off or owe a still balance on Capital One credit card or any other account with them. It was always paid off. Attached. 

I received a message stating : " Capital One has observed activity on one or more of your Capital One accounts that is inconsistent with typical customer account usage. '' This is incorrect and misleading. I am concerned they have incorrect or fraudulent information associated with my identity. 

I am requesting : A full investigation into the alleged account ( s ). 

Written confirmation that no such account exists under my name or XXXX. 

Removal of any false records from their system and all credit reporting agencies if applicable.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-13 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: AL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 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 explanation
Consumer complaint received 2025-05-13 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: AL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-13 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: NC

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian 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 an unsecured account opened at XXXX XXXX XX/XX/year>, under the account number XXXXThis account has fraudulent collections appearing on my consumer FICO credit report. I do not recognize the aforementioned account as reported. The aforementioned account appearing on my consumer credit report maintained by you was not opened, made, or initiated by me. The aforementioned account is the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that the aforementioned consumer credit charge off account is 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 2025-05-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
This public record information is inaccurate so please review all the documents I've sent in regards to this.

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 2025-05-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

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 XXXX  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 2025-05-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( mo ) 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 2025-05-13 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: EQUIFAX, INC.
State: MT

Complaint narrative:
Dear Equifax Dispute Department, I am writing to formally dispute certain inquiries listed on my Equifax credit report. After reviewing my credit report, I noticed inquiries that I did not authorize and which may have been made without my consent or knowledge. 
The following inquiries are in question : XXXX XX/XX/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 XX/XX/XXXX Under the Fair Credit Reporting Act ( FCRA ), only authorized inquiries should appear on a consumer 's credit report. I am requesting that you investigate these inquiries and, if they are found to be unauthorized or in error, that you remove them from my credit report promptly. 
Enclosed are copies of my credit report highlighting the disputed inquiries, along with a copy of my government-issued ID and a utility bill ( or other proof of address ) to verify my identity. 
Please confirm in writing that you have received this letter and are investigating the matter. I expect the results of your investigation within XXXX days, as required by the FCRA. 
Thank you for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-13 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: PA

Complaint narrative:
XXXX XXXX XXXX * * * * Amount : {$680.00} Date Opened : XX/XX/XXXX XXXX Youre reporting an account that does not belong to me. Im requesting a XXXX day investigation to prove this debt belongs to me. If you can not send me proof please delete this from my credit report immediately. Below are a few things I need to see in XXXX days if not please remove from credit report. * Please show the original contract with my signature that shows I owe this debt. * I need to see the assignment contract between you and the original creditor. * Proof that this debt is within the statute of limitations in the state of Pennsylvania. * Proof that you are a licensed and bonded debt collector and can collect debt in the state of Pennsylvania. Thank you Ill be looking to hear back in XXXX days, if not please remove this unknown account from 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