vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-24 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: NV

Complaint narrative:
I am a verified identity theft victim. A loan was fraudulently opened with XXXX using my stolen identity without my knowledge or consent. I did not apply for this loan and never received or benefited from any funds. I filed a valid FTC Identity Theft Report ( Report # XXXX ) and submitted a formal dispute under FCRA 605B demanding the removal of this tradeline. Despite this, XXXX failed to block the account and continued collection activity, a clear violation of FCRA and FDCPA. My personal information was exposed in the XXXX data breach, including SSN, DOB, and full legal name, which explains how this fraud occurred. Upstarts refusal to act in compliance with federal law is causing ongoing damage to my credit and well-being. 

Supporting documents include the FTC Identity Theft Report, proof of the XXXX data breach exposing my personal info, and screenshots of the XXXX tradeline showing it was opened fraudulently. These documents confirm identity theft and clearly establish violations of FCRA 605B.

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 2025-05-24 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: MS

Complaint narrative:
XXXX  has placed this debt, that doesnt belong to me, on my credit report. There was no communication with me. XXXX must be shut down. This agency must be closed. Its XXXX and XXXX It places false information on XXXX peoples credit report with no proof that the debt is valid and refuses to remove it. I do not owe {$19000.00} to Fair Collections & Outsourcing. Nor do I owe {$98.00} to XXXX XXXX XXXXXXXX will freeze over before I pay either of these collections agencies my money. This is a scam that XXXX is part of. XXXX should be investigated once XXXX and his gang of XXXX are removed from office.

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 2025-05-24 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: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: TX

Complaint narrative:
The lease agreement provided was executed based on a year lease. When the lease was fulfilled, the company then provided monthly services at substantial rate over what my original lease agreement approx.XXXX more. Provided by the document I will enclose end of the lease was XX/XX/year>2023. I had informed the office by action not renewing and a conversation based on the new agreement on monthly leasing. Five months later I moved out. There suggesting that I needed to give a 60-day notice on a month to month. When my lease expired 5 months earlier, we agreed to charge me more for month to month I agreed which was a contract. The charges provided represent reletting fee XXXX utilities XXXX and carpet cleaning. These charges are ridiculous consideration they represent normal apartment move out. An additional fee of non-notice XXXX. The company providing the information to XXXX is Columbia Debt Recovery LLC DBA Genesis. 
I had no contract with or an agreement with Columbia DBA Genesis which is trying to charge me interest on this false report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-24 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: MS

Complaint narrative:
I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
On XX/XX/XXXX i applied to capital one platinum credit card, i received a lot of email about to try to get one credit card, there was an explanation or note, this was a preapplication without affecting my credit score during the preapplication, this capital one platinum credit card was approved the same day XX/XX/XXXX but my credit score was affected according to XXXX XXXX app.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSWORLD SYSTEMS INC
State: AK

Complaint narrative:
In XX/XX/XXXX, my employer received a wage garnishment order issued by Transworld Systems Inc. ( TSI ) on behalf of the XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ). I had never previously been notified about the existence of the debt or the pending garnishment. The garnishment was dated XX/XX/XXXX, and referenced an alleged debt on a XXXX XXXX XXXX. 
After requesting information, I received a 13-page packet from TSI, which showed the account was opened in XXXX, with the last transaction recorded in XX/XX/XXXX and the last payment made on XX/XX/XXXX. The packet contained no documentation of a 30-day pre-garnishment notice being sent, no mailing record, no validation of the debt, and no opportunity to dispute or inspect recordsall of which are required under 31 C.F.R. 285.11. 
I did not receive any communication or notice prior to the XX/XX/XXXX garnishment, which violates the XXXX notice requirement. XXXX and XXXX have not provided any evidence that a legally sufficient notice was sent to my current address before garnishment began. There is no record of my being advised of the right to request a hearing, inspect documents, or negotiate repayment terms. 
Additionally, the garnishment violates the 10-year federal statute of limitations for administrative collection, as outlined in 31 U.S.C. 3716 ( e ) ( 1 ). The last account activity occurred more than nine years ago, and no tolling actions or renewed agreements exist in the record.

I have disputed the validity of this debt in writing to TSI and requested full documentation to support their claim. I also contacted the XXXX XXXX and XXXX Department, which confirmed my case is under formal review as of XX/XX/XXXX. My employer has been notified of the dispute. 
I am requesting that CFPB require the company to suspend the garnishment, provide complete documentation and legal validation of the debt, and return all funds garnished to date. I also request that CFPB investigate potential violations of the Fair Debt Collection Practices Act and federal garnishment rules.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-24 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: SC

Complaint narrative:
XXXX XXXX XXXX indicates that I owe {$470.00}. I contacted company to inform them of Identity 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 2025-05-24 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:
XXXX XXXX : balance reported : {$2200.00} Failed to validate this account belongs to me and refused to send me the original contract. I closed this account in XXXX with {$0.00} balance.

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 2025-05-24 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: NC

Complaint narrative:
RE : IMMEDIATE REMOVAL OF FRAUDULENT ACCOUNTS DUE TO IDENTITY THEFT FCRA 605B VIOLATION This letter serves as a formal complaint regarding your negligent and unlawful reporting of fraudulent accounts on my credit profile. I am appalled at your continued failure to comply with federal mandates outlined under FCRA 15 U.S. Code 1681c-2 ( Section 605B ), especially given the documentation Ive already provided, including a valid FTC Identity Theft Report.

Your failure to remove these accounts, despite proper notice, is a gross violation of the Fair Credit Reporting Act and a deliberate obstruction of my rights as a consumer. 

I am demanding immediate deletion of the following fraudulent accounts that are currently and unlawfully damaging my credit standing : XXXX. XXXX Account # : XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$3800.00} This account was never opened or authorized by me. Reporting such an account without a signature-bearing application or verifiable documentation is a clear violation of FCRA 605B and 623 ( a ) ( 1 ) ( A ). Inconsistent reporting across bureaus, including varying dates of last activity and incorrect high credit limits, further illustrates inaccurate and incomplete data. 


XXXX XXXX XXXX XXXX Account # : XXXXXXXX XXXX XXXX XXXX XXXX XXXX have never held any relationship with XXXX XXXX XXXX. This account was fraudulently opened in my name and continues to be published despite my identity theft filing. Your refusal to block this tradeline under FCRA 605B is in direct violation of federal law. 


You have already been served with the FTC Identity Theft Report and proper identification documentation. You are hereby on final notice. If these accounts are not permanently removed from my report within the federally mandated time frame, I will proceed with : Formal legal action under FCRA 1681n and 1681o Complaints filed with the Consumer Financial Protection Bureau, State Attorney General, and Federal Trade Commission Small claims court proceedings to seek statutory and punitive damages You are to cease and desist any further reporting of these fraudulent accounts immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-24 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: FL

Complaint narrative:
collection account that has appeared on my credit report, allegedly being handled by Columbia Debt Recovery LLC, doing business as Genesis. I do not recognize this debt, and I dispute its validity. This account does not belong to me and I request that you provide full validation of the alleged debt in accordance with my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. 

In accordance with federal and XXXX  state law, I am requesting the following : Validation of the alleged debt, including : The name and address of the original creditor ; A copy of the original signed contract or agreement bearing my signature, showing that I agreed to the debt ; A complete itemized accounting of the alleged debt, including principal, interest, fees, and payments made ; A statement that clearly explains how the amount was calculated ; Proof that you have the legal right to collect on this debt ( e.g., chain of assignment if the debt was sold or transferred ). 

Proof of your authorization to collect debt in the State of XXXX, including : A copy of your license or registration to collect debts in XXXX  as required by XXXX  statutes ; Your XXXX XXXX XXXX XXXX XXXX registration number, if applicable. 

Please be advised that until you provide the requested validation, you must cease all collection activities, including reporting to the credit bureaus. Additionally, if you can not provide adequate validation, this account must be deleted from all credit reporting agencies. 

Under the FDCPA, you are required to cease collection efforts until you provide the information requested. Any continued attempts to collect without proper validation may be reported to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the XXXX  Attorney Generals office.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-24 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: CT

Complaint narrative:
Subject : Final Notice Fraudulent Account Dispute and Legal Notice of Continued FCRA Violations Dear Dispute Department, Account- XXXX XXXX XXXX XXXX : XXXX This letter constitutes a final notice and legal warning regarding a fraudulent auto loan account with XXXX XXXX XXXX XXXX XXXX that is still appearing on my credit report with TransUnion and XXXX XXXX despite clear documentation and prior disputes indicating identity theft. 

This account has been deleted by XXXX  and XXXX, acknowledging the fraud. You are now in violation of multiple provisions of the Fair Credit Reporting Act ( FCRA ), specifically : 15 U.S.C. 1681c-2 : Requires consumer reporting agencies to block fraudulent information resulting from identity theft within 4 business days of receiving valid documentation.

15 U.S.C. 1681i ( a ) ( 5 ) ( B ) : Prohibits re-reporting of previously deleted information unless the consumer is notified within 5 business days.

15 U.S.C. 1681i ( a ) ( 6 ) ( A ) : Mandates that you provide written results and the method of verification of a dispute investigation. 


To date, TransUnion and XXXX have failed to comply, refused to remove the fraudulent account, and reinserted information without notifying me, which is a direct breach of federal law. 

I am also aware of TransUnions {$23.00} XXXX settlement in 2023 with the Consumer Financial Protection Bureau ( CFPB ) for repeated violations of the FCRA, including : Failing to timely and properly investigate consumer disputes. 

Failing to correct inaccurate information after it was disputed. 

Failing to notify consumers of dispute results and verification methods. 


These are the exact violations now being repeated on my file. I have given you multiple opportunities to correct this. Continuing to report this fraudulent account after lawful notice and evidence is willful noncompliance under 15 U.S.C. 1681n, and I reserve my right to seek : Statutory and actual damages.

Punitive damages.

Attorneys fees and court costs.

Formal Demand : 1. Immediately and permanently remove the fraudulent auto loan account from my credit report.

2. Provide the full method of verification used to validate the account in prior disputes.

3. Confirm deletion of this account in writing within 15 calendar days of receipt of this letter. 

If you fail to comply, I will file formal complaints with the CFPB, the FTC, and State Attorney Generals Office, and I will explore legal remedies through federal court. 

Sincerely, XXXX XXXX Without Prejudice- UCC 1-308

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 2025-05-24 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: CBC Companies, Inc.
State: CT

Complaint narrative:
Subject : Final Notice Fraudulent Account Dispute and Legal Notice of Continued FCRA Violations Dear Dispute Department, Account- XXXX XXXX XXXX XXXX : XXXX This letter constitutes a final notice and legal warning regarding a fraudulent auto loan account with XXXX XXXX XXXX XXXX XXXX that is still appearing on my credit report with XXXX  and Innovis , despite clear documentation and prior disputes indicating identity theft. 

This account has been deleted by XXXX  and XXXX, acknowledging the fraud. You are now in violation of multiple provisions of the Fair Credit Reporting Act ( FCRA ), specifically : 15 U.S.C. 1681c-2 : Requires consumer reporting agencies to block fraudulent information resulting from identity theft within 4 business days of receiving valid documentation.

15 U.S.C. 1681i ( a ) ( 5 ) ( B ) : Prohibits re-reporting of previously deleted information unless the consumer is notified within 5 business days.

15 U.S.C. 1681i ( a ) ( 6 ) ( A ) : Mandates that you provide written results and the method of verification of a dispute investigation. 


To date, XXXX  and Innovis have failed to comply, refused to remove the fraudulent account, and reinserted information without notifying me, which is a direct breach of federal law. 

I am also aware of XXXX  {$23.00} XXXX settlement in 2023 with the Consumer Financial Protection Bureau ( CFPB ) for repeated violations of the FCRA, including : Failing to timely and properly investigate consumer disputes. 

Failing to correct inaccurate information after it was disputed. 

Failing to notify consumers of dispute results and verification methods. 


These are the exact violations now being repeated on my file. I have given you multiple opportunities to correct this. Continuing to report this fraudulent account after lawful notice and evidence is willful noncompliance under 15 U.S.C. 1681n, and I reserve my right to seek : Statutory and actual damages.

Punitive damages.

Attorneys fees and court costs.

Formal Demand : 1. Immediately and permanently remove the fraudulent auto loan account from my credit report.

2. Provide the full method of verification used to validate the account in prior disputes.

3. Confirm deletion of this account in writing within 15 calendar days of receipt of this letter.

If you fail to comply, I will file formal complaints with the CFPB, the FTC, and State Attorney Generals Office, and I will explore legal remedies through federal court. 

Sincerely, XXXX XXXX Without Prejudice- UCC 1-308

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-24 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: AZ

Complaint narrative:
This letter is to formally dispute information appearing on my credit report that I believe is a result of identity theft. I am referring to account number XXXXXXXX XXXX XXXX XXXX XXXX currently reporting a balance of {$750.00} and listed as a Collection/Chargeoff. 

I have no knowledge of this account and believe it was fraudulently opened in my name. I request a full investigation into this matter and the removal of this account from my credit report. 

Please provide me with copies of all documentation related to this account, including applications, statements, and any other relevant information. 

I have attached a copy of my government-issued identification and a copy of a recent utility bill as proof of my identity and current address. I am also filing a police report regarding this incident and will provide you with a copy of the report as soon as it is available. 

Thank you for your prompt attention to this serious 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 non-monetary relief
Consumer complaint received 2025-05-24 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Experian XXXX XXXX XXXX XXXX XXXX XXXX Subject : Final Demand for Deletion of Unauthorized Inquiries & Notice of FCRA Violations Dear Experian, This is my second and final demand regarding the unauthorized inquiries listed on my credit file. I initially contacted you on XX/XX/year>, requesting the deletion of inquiries that were made without my authorization or any permissible purpose as defined by law. You failed to respond or take corrective action, which constitutes a willful violation of my consumer rights under federal law. 

You are now in violation of : FCRA 604 [ 15 U.S.C. 1681b ] No inquiry may be made without a permissible purpose.

FCRA 607 ( a ) [ 15 U.S.C. 1681e ( a ) ] Failure to prevent unauthorized access.

FCRA 616 [ 15 U.S.C. 1681n ] Civil liability for willful noncompliance : ( a ) In general. Any person who willfully fails to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater. 

I have sustained damages as a result of your failure to comply with the law. Therefore, I am demanding the immediate DELETION of all unauthorized inquiries from my credit report. I also request a written statement confirming their removal within 15 days of this notice. 

Failure to comply will result in formal complaints with the FTC, CFPB, and state attorney general, as well as civil action to pursue statutory damages and legal remedies. 

You are now officially on notice. 

Sincerely, XXXX XXXX Enclosures : Copy of ID Proof of address Credit report with unauthorized inquiries highlighted Copy of original letter dated XX/XX/scrub>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