vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
Name : XXXX XXXX XXXX I am filing a complaint against Capital One because Capital One has been charging to much interest fees and will not reverse the interest fees for my platinum credit card. I need Capital One to reverse the interest fees because I have been overcharged.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-15 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:
Columbia Debt Recovery contacted me regarding a balance of {$300.00} with XXXX XXXX XXXX has been reporting negatively and falsely on my credit report since XX/XX/year> and this collection must be removed from my credit report as I do not owe anything. 

I was sent a refund check by mail from XXXX XXXX for fees paid to them when I originally applied, but never moved in due to leasing agent inconsistency with agreed move in date. 

I never moved into the unit. I dont owe any money.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-15 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: CO

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and am requesting their removal.

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 2025-05-15 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: NV

Complaint narrative:
I recently received an updated copy of your credit report and noticed that there are still several inaccuracies and unauthorized/information reporting to my credit report. These remarks have been detrimental to my life and credit health as I have started the process of purchasing my first home.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-15 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: NV

Complaint narrative:
I recently received an updated copy of your credit report and noticed that there are still several inaccuracies and unauthorized/information reporting to my credit report. These remarks have been detrimental to my life and credit health as I have started the process of purchasing my first home.

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 2025-05-15 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: American Profit Recovery, Inc., Marlborough, MA Branch
State: GA

Complaint narrative:
I contacted unlimited lawn care to cancel the service because they had not been showing up for their scheduled services. As a result, my lawn had so many weeds and brown spots because the treatments were late and ineffective. Finally, I secured an account with XXXX. On the day of the last alleged application, the driver parked in front of my property and I immediately came out instructing him to leave. I also immediately called Unlimited lawn care 's customer service to tell them that a representative was on my property and I DID NOT authorize this visit. They then informed me that the driver LIED and said that a treatment had been completed. I told them that I had evidence on my ring camera that he did not have a chance to exit his vehicle to complete a treatment and representative told me that I would STILL be charged for the service. This is poor custoer service as well as a lie. I also submitted a complaint to the XXXX on XX/XX/year> explaining the issue and the company 's refusal to dismiss this charge for a service that was never rendered.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-15 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: EQUIFAX, INC.
State: NY

Complaint narrative:
I am kindly requesting the assistance of the CFPB in correcting an accounts on my credit report. Your help in this matter will greatly improve my credit standing. I am hopeful that in the next update, the v in question will be rectified. Thank you very much for any assistance you can provide XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$76000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$4900.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-15 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: FL

Complaint narrative:
Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. Also, I have an enclosed copy of the Federal Trade Commission id-entity theft affidavit. Please find it in your best interest to delete the items. 
I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case.

Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified.

15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report.

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any.

information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not re-add or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is complete and accurate.

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 2025-05-15 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: MS

Complaint narrative:
I am writing to formally demand immediate and serious attention to this complaint. This is not a mistake or oversight. My credit report contains clear inaccuracies that do not meet the legal standard of maximum possible accuracy. These errors are inflicting significant financial and emotional harm, with ongoing consequences that I can no longer tolerate. I expect a full and urgent resolutionthese inaccuracies must be corrected or removed without delay. Immediate corrective action is not optional ; it is required.

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 2025-05-15 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: NV

Complaint narrative:
I recently received an updated copy of your credit report and noticed that there are still several inaccuracies and unauthorized/information reporting to my credit report. These remarks have been detrimental to my life and credit health as I have started the process of purchasing my first home.

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 2025-05-15 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: LA

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 2025-05-15 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: PA

Complaint narrative:
I recently review a copy of my credit report and notice I had fraudulent accounts on accounts from my report, they are hurting my ability to obtain 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 2025-05-15 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 recently review a copy of my credit report and notice I had fraudulent accounts on accounts from my report, they are hurting my ability to obtain credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-15 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: EQUIFAX, INC.
State: AZ

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and am requesting their removal.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-15 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 am submitting this statement to formally report that I have been a victim of identity theft. As a result, there are fraudulent accounts and/or inquiries on my credit report that I did not authorize or open. I am exercising my rights under the Fair Credit Reporting Act ( FCRA ) and requesting that these items be investigated, verified, and removed immediately. 

Details of the Dispute : I am disputing the following information that appears on my credit report, which I believe to be the result of identity theft : Fraudulent Accounts : XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Status : Collection account {$1600.00} past due as of XX/XX/XXXX Fair Collections & Outsourcing Account Number : XXXX Date Opened : XX/XX/XXXX Status : Collection account {$5300.00} past due as of XX/XX/XXXX Unauthorized Inquiries : XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXXnquired XXXX XX/XX/XXXX XXXX XXXX XXXX  Inquired XXXX XX/XX/XXXX XXXXhese accounts and inquiries are not mine, and I have not given anyone permission to open or use these accounts on my behalf.

Formal Request for Investigation and Debt Verification : Under FCRA 605B ( 15 U.S.C. 1681c-2 ), I am requesting that the credit reporting agencies immediately block and delete these fraudulent items from my report.

Under FCRA 611 ( 15 U.S.C. 1681i ), I am formally requesting debt verification for all disputed accounts. This means I expect the credit bureaus and furnishers to provide documented proof that I authorized these accounts. If they can not verify the debts with valid evidence such as a signed contract or agreement the accounts must be permanently removed from my credit file.

Compensation for False Verification : As stated in FCRA 616 ( 15 U.S.C. 1681n ), if any account is falsely verified as valid despite my identity theft claim, I am entitled to statutory damages of {$1000.00} per violation.

Supporting Documentation : I have included the following documents to support my claim : A copy of my identity theft report ( police report, FTC Identity Theft Affidavit, etc. ) A copy of my government-issued ID Proof of my current address ( utility bill, bank statement, etc. ) Requested Actions : Immediate blocking and removal of all fraudulent accounts and inquiries Debt verification for all disputed accounts Written confirmation that the fraudulent items have been deleted from my report Proof that the furnishers of these accounts have been notified and instructed to cease reporting any unverifiable information An updated copy of my credit report reflecting these corrections I expect confirmation in writing that my request has been processed in accordance with the FCRA. Please be advised that failure to comply may result in further legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-15 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: WA

Complaint narrative:
I have been trying to request Experian to fix this as they keep reporting and saying they investigated and reported it true, it's not and requested them and told them I was paying them so not a charge off not only that it has been paid on owed directly to XXXX XXXX. They say they have 45 days these are stall tactics and tired of them reporting this wrong. And requested it deleted as they say it's verified when it's not because if it was, they should have all payments being made and then paid off. They are not reporting the correct payments or XXXX balance. What they put is a charge off when it's not. So been requesting for months for them to delete it and they do not properly investigate like they say.

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 2025-05-15 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: WA

Complaint narrative:
I have been trying to request XXXX to fix this as they keep reporting and saying they investigated and reported it true, it's not and requested them and told them I was paying them so not a charge off not only that it has been paid on owed directly to XXXX XXXX. They say they have 45 days these are stall tactics and tired of them reporting this wrong. And requested it deleted as they say it's verified when it's not because if it was, they should have all payments being made and then paid off. They are not reporting the correct payments or XXXX balance. What they put is a charge off when it's not. So been requesting for months for them to delete it and they do not properly investigate like they say.

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 2025-05-15 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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I need to visit the FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies and I found out that you are required to investigate any items listed on an id theft report. Please find the ATTACHED documents to assist in the investigation of the erroneous information that is being posted to my report. The following are the compilation of items that are not associated with me or have been initiated without my authorization XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX : {$0.00} XXXXXXXX XXXX XXXX Balance : {$0.00XXXX XXXX XXXXXXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$3000.00} XXXX XXXXXXXX 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 2025-05-15 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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I need to visit the FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies and I found out that you are required to investigate any items listed on an id theft report. Please find the ATTACHED documents to assist in the investigation of the erroneous information that is being posted to my report. The following are the compilation of items that are not associated with me or have been initiated without my authorization XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX : {$0.00} XXXXXXXX XXXX XXXX Balance : {$0.00XXXX XXXX XXXXXXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$3000.00} XXXX XXXXXXXX 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 non-monetary relief
Consumer complaint received 2025-05-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
This is not an dispute, I am Updating my Personal information. Below are the documents needed to verify my Name. I am only updating the records to ensure my name is spelled correctly on my credit report.

Name : 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 2025-05-15 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: CA

Complaint narrative:
This is not an dispute, I am Updating my Personal information. Below are the documents needed to verify my Name. I am only updating the records to ensure my name is spelled correctly on my credit report.

Name : XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-15 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: NJ

Complaint narrative:
Formal Dispute of Inaccurate Late Payment Reporting Under the Fair Credit Reporting Act ( FCRA ) I am writing to dispute inaccurate information on my credit report, which I obtained from your bureau on [ Insert Date ]. The item in question concerns an alleged late payment reported by the following creditor XXXX XXXX XXXX XXXX XXXX XXXXXXXX Reported Delinquency Date XX/XX/year>. This information is inaccurate and/or unverifiable. I dispute the validity of these late payment entries and request that you investigate the matter in accordance with your obligations under the Fair Credit Reporting Act, specifically Section 611 ( 15 U.S.C. 1681i ). I am requesting the following actions be taken : Conduct a reasonable investigation into the accuracy of the reported late payment ( s ).

Provide written confirmation of your findings.

Remove or correct any information that can not be verified or is found to be 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 2025-05-15 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Sunnova Energy Corporation
State: CA

Complaint narrative:
My credit was fraudulently used to purchase a solar system on a home that I have never lived in nor have any affiliation with. A Sunnova Energy Corporation contract was then fraudulently signed by the current owner of that home with my name causing my credit to be negatively affected with a {$130000.00} loan amount. I have created a dispute with Sunnova Energy Corporation, case number XXXX, and with XXXX  with a fraud alert on my account. This account was posted to my credit on XX/XX/year>.

Company response to consumer: Untimely response