vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-01 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:
ACCORDING TO 15 USC 1681I - EXPERIAN, EQUIFAX, AND XXXX  HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS.

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




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 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 any 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 of 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 2025-05-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: GA

Complaint narrative:
I am disputing a collection account reported by Columbia Debt Recovery that is related to a former apartment lease. I first filed a complaint with the XXXX XXXX XXXX XXXX XXXX XXXX to request validation of the debt, but I have not received any documentation directly from Columbia Debt Recovery proving the accuracy or validity of the account. 

Under the Fair Debt Collection Practices Act ( FDCPA ) and Fair Credit Reporting Act ( FCRA ), I have the right to request validation of the debt. Columbia Debt Recovery has not provided a signed lease, move-out documentation, itemized charges, or proof that they are legally authorized to collect on this debt. 

The continued reporting of this unvalidated apartment collection is causing damage to my credit and violates my rights under federal law. If Columbia Debt Recovery is claiming this account is valid, I am entitled to receive full documentation which I have not.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
On XX/XX/year>, XXXX unauthorized transactions were processed through XXXX XXXX and withdrawn directly from my Chase account : {$390.00} from Chase XXXX XXXX Debit {$140.00} from Chase Debit Card Total : {$540.00} Both were sent to XXXX ( XXXX ) XXXX, a number flagged for fraudulent activity. I contacted both XXXX and XXXX XXXX, and both confirmed that Chase was responsible for investigating and resolving the matter. 

Chase initially refunded the money, but later reversed the decisiondebiting my account again and causing it to go negative. This also led to the closure of my primary checking account, which is where I receive my monthly SSDI benefits, and my daughters linked account. 

I sent multiple letters, including a certified letter, and submitted an authorization form via fax, which Chase confirmed was received. Still, they refused to reverse the charges or provide an adequate explanation. Because of Chases failure, my XXXX XXXX account has now been permanently locked, and can only be unlocked through Chases intervention.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-01 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:
Earlier today, I found unfamiliar and incorrect accounts on my credit report, which caught me completely off guard. I routinely monitor my report, but this time, some discrepancies suddenly appeared. I tried refreshing my browser thinking it was a simple error, but the false entries remained. Because of this, I ask that my submitted documents be thoroughly reviewed to put an end to this concern.

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 2025-05-01 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: Paramount GR Holdings, LLC
State: GA

Complaint narrative:
I am writing to formally dispute a {$19000.00} loan account with GoodLeap that was opened fraudulently in my name. I did not apply for, authorize, or consent to this loan. It was acquired through deceptive and unauthorized actions by an installation company named XXXX XXXX. 

XXXX XXXX  was working with my mother, XXXX XXXX, on a window installation project at our shared property located in XXXX, XXXX During that process, a XXXX XXXX XXXXepresentative requested my personal information from my mother under the pretense of needing approval to install the windows. My mother contacted me to ask if she could provide my information for that specific purpose, and I agreedbut only to authorize the installation, not to apply for or authorize any financial product. 

At no time did I authorize a loan, speak with any XXXX XXXX or GoodLeap representatives, sign any documents, or consent to the extension of credit. Nevertheless, XXXX XXXX submitted a loan application in my name using the information they obtained deceptively. When I contacted XXXX XXXX about this issue, they sent me a document labeled as a proposal, which included a signature that they claimed to be mine. I want to clearly state that this is not my signature. 

Despite notifying XXXX XXXX of the fraudulent nature of this contract, they have refused to take any responsibility or corrective action. The representative listed on the contract never met, spoke with, or communicated with me in any form. Furthermore, the contract lists me as the primary borrower and XXXX XXXX as the co-borrowerwithout my involvement, consent, or participation. 

I have also contacted GoodLeap to dispute this matter. Shockingly, they refused to remove the loan from my name and stated that, because my mother provided my information, she would be held responsible in a court of law. This response is deeply concerning and unethical. GoodLeaps failure to properly verify the identity of the applicant and its lack of due diligence enabled this fraudulent transaction to occur. 

For reference, I am including : A copy of the contract my mother received, which shows her signaturenot mine and does not include my contact information. 

A copy of what seems to be the proposal document XXXX XXXX sent me that includes the fraudulent signature they claim to be mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-01 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: TX

Complaint narrative:
Dear Equifax, The Following Accounts are a result of Identity theft and are not mine, I am requesting and demanding a FRAUD BLOCK REQUEST. I demand that the following accounts are BLOCKED IMMEDIATELY under section 605B Of the FCRA ; XXXX XXXX ACCOUNT XXXX DATE OPENED XXXXXXXX XXXX XXXX ACCOUNT XXXX DATE OPENED XXXX Pursuant 15 U.S. Code 1681c2 - Block of information resulting from identity theft Except as otherwise provided in this section, 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 by such agency of ( 1 ) appropriate proof of the identity of the consumer ; INCLUDED ( 2 ) a copy of an identity theft report ; INCLUDED ( 3 ) the identification of such information by the consumer ; and INCLUDED ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. ( This Notice ) INCLUDED I demand all the above Fraudulent accounts BLOCKED immediately. I Demand an updated copy of my Consumer file reflecting these changes ( 15 USC 1681 c-1 2 Access to free reports ) ( 2 ) Access to free reports In any case in which a consumer reporting agency includes a fraud alert in the file of a consumer pursuant to this subsection, the consumer reporting agency shall ( A ) disclose to the consumer that the consumer may request a free copy of the file of the consumer pursuant to section 1681j ( d ) of this title ; and Thank you. 




Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-01 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: LA

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 TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

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 2025-05-01 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: LA

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 TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-01 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: FL

Complaint narrative:
Consumer Name : XXXX XXXX Social Security Number : [ Private ] Date of Birth : [ Private ] Subject : Request for Blocking of Fraudulent Information Under FCRA 605B ( 15 U.S.C. 1681c-2 ) 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 non-monetary relief
Consumer complaint received 2025-05-01 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: FL

Complaint narrative:
The laws established by Congress to protect consumers safeguard my right to privacy. By allowing unauthorized access to my financial information, you have violated federal laws and infringed upon my constitutional rights, resulting in significant harm and distress.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-01 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: FL

Complaint narrative:
My right to privacy is protected under laws enacted by Congress to safeguard consumers. By permitting unauthorized access to my financial information, you have not only breached federal statutes but have also trampled on my constitutional rights, causing undue harm and 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 2025-05-01 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: IL

Complaint narrative:
I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about!

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 2025-05-01 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
Capital One, were paid settlement offer through XXXX XXXX XXXX, complete fraud information papers filled out completely. I have copies, and they continue to harass, with letters, emails, and phone call for no reason, and inaccurate information regarding paid settlement, and I have a letter thanking me for paying it. 
I want this deleted. XXXX exhibits fraud in reporting accurate documentation, effecting my credit score. 
If not defeated, there will be a lawsuit. 
I have proof of their blaten disregard of accurate information, and truth.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Shellpoint Partners, LLC
State: NJ

Complaint narrative:
My home insurance was due XX/XX/year>. My mortgage never sent the payment out, so I was notified by mail that I would be cancelled. I called New Rez ( the mortgage company ) and they said they mailed a bulk check on the XXXX. When questioned why they sent it out so late, they said " they didn't know where to send it. '' They then told me it would take 30-45 days to get to my homeowners so I would be cancelled by then. I have been calling and following up on this about every 3 days. Extending my termination date. I now have been terminated because of New Rez. I spoke with them at length yesterday and they refused to help until I told them I would be filing a complaint. So they called me back within an hour and said they made a credit card payment. So I called XXXX ( home owners ) to confirm and they said they did not, they said they would call before XXXX to make one and in the meantime stopped my check. I called again at XXXX, they didn't pay and as of right now they still have not. I called New rez again and they claimed they attempted to make a credit card payment but it wouldn't go through because of the check they sent in the mail? I didn't even ask for a further explanation because to be honest I am exhausted from the lies. They have told me also that my homeowners is having trouble receiving the check. They just continually play the blame game and make up excuses and will not pay my homeowners. They have also instructed me to pay it, but I explained that I already did pay it to them. I really need help in resolving this. I am just looking for them to pick up the phone today and pay my homeowners insurance so I can get my policy reinstated. Thank you for your help.

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 2025-05-01 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: AZ

Complaint narrative:
I have made multiple attempts to get these discrepancies investigated and corrected, yet no meaningful action has been taken. Despite providing all necessary documentation and following up several times, these errors remain unresolved. This ongoing issue has caused financial stress and has taken a serious toll on my well-being. Dealing with these inaccurate entries has been frustrating and exhausting. 

Under the Fair Credit Reporting Act ( FCRA ), I have the right to a credit report that accurately represents my financial history. This includes the prompt correction of outdated or incorrect information. I urge you to take immediate action to update or remove these late payment entries, as failing to do so is a direct violation of my rights under federal law. 

I appreciate your prompt attention to this matter and expect a resolution as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
In XXXX, I had someone try to open a new credit card in my name. I started the process of just freezing my credit so that people couldnt do that anymore. I froze it online after creating an account with Experian. I have an email showing on XX/XX/XXXX that my credit gives me links to unfreeze my credit. But I cant login. Says my password is incorrect. Which I dont believe is true. I try to reset my password, it tries to send me a second factor authentication but the text never comes through or the phone call to get the code. Although when I try to upgrade my membership, it will send me a link to do that to my phone. Ive tried everything on their website to be able to get into my account. It either doesnt work or says theres an error.When I go to look up with my Social Security number and birthday it says that those records dont match anything. Ive tried calling on the phone multiple times. Its very hard to get a person on the phone and even then they wont help me without an unfreeze pin. when I go to look up with my Social Security number and birthday it says that those records dont match anything. Ive tried calling on the phone multiple times. Its very hard to get a person on the phone and even then they wont help me without a unfreeze pin. But I can not find no recall ever receiving one from them. no emails or anything. The end of XXXX I resorted to sending in a letter with everything requested to unfreeze my account spent over a month and the account is still not been unfrozen. experian.com says it should only take no more than three days to unfreeze once they receive the letter. I cant imagine it took more than a week for them to receive the letter has the address was in Texas and I am in Texas. I am trying to buy a house in XXXX and right now this is really complicating things theres seems to be no way for me to get my credit unfrozen or get any help with this account so I cant get any sort of manager or anyone on the phone to deal with this. I would like to be able to talk to someone on the phone at Experian that can help me it was very easy to create this account. I should be able to delete this account or fix something with my account so that I can login prove its me and unfreeze my credit so I can buy a house. Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation