vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-19 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: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX Retreat Pass XXXX XXXX, GA XXXX XXXX XXXX XX/XX/XXXX To : CFPB Equifax Information Services LLC XXXX. XXXX XXXX XXXX, GA XXXX Subject : Dispute of Inaccurate Reporting LendKey ( Account Ending XXXX Dear Equifax, I am XXXX to formally dispute the inaccurate reporting of an account listed under XXXX, which is currently shown as charged off on my credit report. 

This account was included and fully XXXX in my Chapter XXXX bankruptcy, filed in the United States Bankruptcy XXXX, XXXX XXXX XXXX Georgia, under Case No. XXXX. The discharge date was XX/XX/XXXX, and this account is listed among the XXXX debts in the court records ( XXXX XXXX Filed XX/XX/XXXX Entered XX/XX/XXXX XXXX ). 

Despite this, the account is still inaccurately reported as charged off instead of included in bankruptcy or XXXX in bankruptcy. This misreporting violates the Fair Credit Reporting Act ( FCRA ) as it reflects outdated and misleading information that negatively impacts my credit profile. 

Requested XXXX : Please conduct an immediate investigation and correct the status of this account to discharge in Chapter XXXX bankruptcy. 



I request that this dispute be resolved within the XXXX timeframe as required by the FCRA. Once corrected, please send me a free updated copy of my credit report showing the resolved item. 

Thank you for your prompt attention to this matter. 

Sincerely, 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 2025-05-19 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: AZ

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 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 2025-05-19 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:
Consumer Name : XXXX XXXX Social Security Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Request for Blocking of Fraudulent Information Under FCRA XXXX ( XXXX U.S.C. XXXX ) Dear [ Credit Reporting Agency ] , I am submitting this formal complaint in accordance with the Fair Credit Reporting Act ( FCRA ), specifically 605B ( 15 U.S.C. 1681c-2 ), to request that you block certain information from my consumer credit report. This information is the result of identity theft and must be removed within four ( 4 ) business days of your receipt of this request.

The disputed information includes a personal credit card account that was fraudulently opened in my name, as well as several unauthorized hard inquiries and collections that have subsequently appeared on my consumer FICO credit report.

I do not recognize these accounts, collections, or inquiries, and I did not authorize or initiate any of them.

These entries are fraudulent, inaccurate, and not reflective of any legitimate financial activity on my part. They are entirely the result of identity theft.

To support this request, I have included the following documentation : A list of the fraudulent hard inquiries in question A copy of my consumer FICO credit report showing the disputed accounts, collections, and inquiries A copy of the FTC Identity Theft Report ( Complaint # [ Private ] ) verifying that I am a victim of identity theft and that the above items were fraudulently created Please act promptly in compliance with FCRA 605B and block all fraudulent accounts, collections, and hard inquiries as outlined above from my credit file. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-19 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: TX

Complaint narrative:
Consumer Name : XXXX XXXX Social Security Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Request for Blocking of Fraudulent Information Under FCRA XXXX ( XXXX U.S.C. XXXX ) Dear [ Credit Reporting Agency ] , I am submitting this formal complaint in accordance with the Fair Credit Reporting Act ( FCRA ), specifically 605B ( 15 U.S.C. 1681c-2 ), to request that you block certain information from my consumer credit report. This information is the result of identity theft and must be removed within four ( 4 ) business days of your receipt of this request.

The disputed information includes a personal credit card account that was fraudulently opened in my name, as well as several unauthorized hard inquiries and collections that have subsequently appeared on my consumer FICO credit report.

I do not recognize these accounts, collections, or inquiries, and I did not authorize or initiate any of them.

These entries are fraudulent, inaccurate, and not reflective of any legitimate financial activity on my part. They are entirely the result of identity theft.

To support this request, I have included the following documentation : A list of the fraudulent hard inquiries in question A copy of my consumer FICO credit report showing the disputed accounts, collections, and inquiries A copy of the FTC Identity Theft Report ( Complaint # [ Private ] ) verifying that I am a victim of identity theft and that the above items were fraudulently created Please act promptly in compliance with FCRA 605B and block all fraudulent accounts, collections, and hard inquiries as outlined above from my credit file. 
Sincerely, 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 2025-05-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
Account Capital One # XXXX I am submitting this complaint regarding an item on my credit report that I believe should be removed in accordance with the Fair Credit Reporting Act ( FCRA ). I had a credit card account that was fully paid off and subsequently closed by the creditor. The creditor has confirmed that the account is closed. 

The account continues to be reported by the credit reporting agencies. I am requesting that this account be removed entirely from my credit report, as it no longer reflects an active or delinquent financial obligation and the creditor has no ongoing relationship with me. 

Under the Fair Credit Reporting Act, specifically XXXX XXXX XXXX XXXX, credit reporting agencies are required to ensure that the information they report is accurate, relevant, and up to date. Since the account has been paid in full and closed at the request of the creditor, and they have requested its removal, it is no longer relevant to my creditworthiness and its continued presence may mislead future creditors. 

I am requesting the CFPB to assist in ensuring the credit reporting agencies comply with the FCRA and remove the closed and fully paid account from my credit file as requested by the original creditor. 

Thank you for your assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-19 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: FL

Complaint narrative:
This is a follow-up complaint regarding the presence of inaccurate and conflicting personal information being reported on my Equifax credit file. Specifically, my file lists the names XXXX XXXX and XXXX XXXX XXXX These variations are inconsistent with my legal and financial records and may be the result of data merging errors or sloppy recordkeeping practices. This issue is especially concerning given recent CFPB findings that Equifax has failed to properly investigate disputes and meet its reinvestigation obligations as required by law.

As outlined in 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit reporting agencies must reinvestigate disputes regarding inaccurate information within 30 days, and per 15 U.S.C. 1681 ( a ) ( 5 ), they are required to delete or correct any information found to be inaccurate, incomplete, or unverifiable. Equifaxs failure to remove these improper name variations, even after notice, demonstrates a disregard for compliance and exposes me to further reporting errors and identity mismatches.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-19 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall 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 2025-05-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
I am disputing a {$52000.00} debt reported by XXXX XXXX XXXX. I was listed as a co-tenant on a lease for XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  but I moved out in early XX/XX/year> and was not involved in rent payments or lease matters after that date. 

I never signed any guarantor agreement for this lease. The actual guarantor, XXXX XXXX, has provided a notarized statement confirming he was the sole signer and that I am not responsible for the debt. I also submitted location-stamped photographs showing I had relocated to Massachusetts by XX/XX/year>. 

Experian rejected my initial dispute despite this evidence. This debt was incurred months after I moved out and should not be reported under my credit file.

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 2025-05-19 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: GA

Complaint narrative:
I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

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 2025-05-19 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: TX

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX  XXXX 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 explanation
Consumer complaint received 2025-05-19 00:00:00
Product: Debt collection — I do not know
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 recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. Please supply me with a copy of any contract or agreement signed with your company or the original creditor.

In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor.

2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed.

3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor.

4. Proof that the original creditor securitized the debt.

5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor.

Please cease and desist from collecting on this debt until you have provided validation of the debt.

Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt.

Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so.

Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. 
Thank you for your prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-19 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:
Subject : Experian Failing to Comply with FCRA Section 605B Identity Theft Blocking Request Ignored To Whom It May Concern : I am filing a complaint against Experian for failing to comply with Section 605B of the Fair Credit Reporting Act ( FCRA ) regarding identity theft. 

On [ insert exact date you mailed/uploaded ], I submitted a complete identity theft packet to Experian, including : A valid identity theft report filed with [ FTC/local law XXXX ] A copy of my government-issued ID A utility bill to confirm my address My Social Security number Full name XXXX XXXX XXXX birth, and address history The name of the fraudulent account and information pertaining to the identity theft Despite sending all of this, Experian is now claiming that they have not received it or are requiring the same information again which I have already provided in full. This is a direct violation of FCRA Section 605B, which requires Experian to block the fraudulent information from my report within XXXX business days of receiving the documentation. 

I am requesting that Experian : 1. Immediately block the disputed account ( s ) from my credit file.

2. Acknowledge receipt of my submitted documentation.

3. Comply with the FCRAs legal obligations and remove all traces of the fraudulent data. 

I am requesting the CFPB investigate Experians failure to act in good faith and take enforcement action if necessary. 

Thank you for your attention. 

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 2025-05-20 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:
I have sent multiple letters to Equifax, Experian, and Transunion. They have not fixed the errors on my credit report. I have attached the dispute letters that I have sent to all bureaus. Please see the errors listed in a XXXX bureau table. Please assist me in getting this issue resolved.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-19 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: GA

Complaint narrative:
I am disputing fraudulent accounts and incorrect personal information that Equifax is reporting despite my identity theft police report ( Case # XXXX ). The following errors have gone unresolved : Department of Education accounts ( XXXX and XXXX ) with a fraudulent total balance of {$7300.00}. These were opened without my knowledge or consent. 
An unauthorized XXXX  First account reporting an incorrect credit limit of {$1600.00} and disputed balance of {$2000.00}. 
A fraudulent XXXX XXXX account appearing on my report. 
Equifax is reporting XXXX false late payments, which I did not incur. 
Inaccurate names and addresses, including XXXX XXXX XXXX and multiple addresses I have never lived at ( XXXX XXXXXXXX XXXX XXXX, XXXX XXXX, GA ). 

Equifax has failed to reasonably investigate this matter under the FCRA and continues to allow incorrect and damaging data to remain on my credit file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
XX/XX/year>. I missed a payment by {$1.00} and since then have been charged XXXX XXXX  monthly as a late fee. I received no calls for collection to collect the amount or remedy my account status. I spoke to a customer service agent then to XXXX XXXX # XXXX who informed me that they would not be willing to help me with the account knowing the root of the cause was {$1.00}.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-05-19 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Source Receivables Management LLC
State: CA

Complaint narrative:
Dear CFPB, I am writing to report a case of identity theft. I recently discovered that someone fraudulently obtained an apartment lease using my name and personal information without my knowledge or consent. 

I did not authorize or apply for this apartment, and I believe my identity has been compromised. This incident is negatively impacting my credit and could lead to further harm if not addressed promptly. 

Here are the details I have so far : I was not involved in or aware of the lease agreement. 
I did not sign any related documents or authorize anyone to do so on my behalf. 
I have contacted the leasing office/property management to notify them of the fraud. 

I am requesting your assistance in investigating this matter and guiding me on the next steps to protect my credit and personal information. I am also working on placing a fraud alert with the credit bureaus and filing a report with the FTC and local law enforcement. 

Please let me know what additional documentation or information is needed to move forward with this complaint. 

Thank you for your attention to this serious matter.

Company response to consumer: Closed with explanation