vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-27 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: IL

Complaint narrative:
My Mortgage company was brought out and they reported as a transfer on my credit report. Equifax dropped my score XXXX points because of it. 

It is not my responsibility what a mortgage company does. My responsibility is to make payments, and I have done that. I have never been late. However, Equifax dropped my score XXXX points. 
They also dropped my score XXXX points more for no reason at all I went from XXXX credit score to XXXX in 3 months. 

I would like my score and points back up to where it was.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-27 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: DE

Complaint narrative:
Dear Sir/Madam, I am writing to formally report a recent data breach and the subsequent misuse of my credit information. I believe that my personal and financial data has been compromised, leading to inaccuracies and possible fraudulent activity on my credit report. Below, I outline the issues and seek your assistance in resolving the situation. 
I have attached the following documents with items that have been negatively affected my this data breach. 

I kindly request that the Consumer Financial Protection Bureau investigate this matter thoroughly, as it has had a significant impact on my creditworthiness and financial well-being. Additionally, I am seeking guidance on any further steps I should take to mitigate any potential damage caused by the breach. 

Please let me know if you require any further information or documentation to assist in your investigation. I look forward to your prompt response and support in resolving this critical issue. 

Thank you for your time and attention to this matter. 

Sincerely, [ Your Name ] Feel free to customize the details as per your specific situation. 



Attach Search Reason

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 2025-02-27 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 listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-27 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: GA

Complaint narrative:
I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 2025-02-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: National Credit Systems,Inc.
State: OH

Complaint narrative:
my mother has been stealing my identity i did not have a car loan XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: National Credit Adjusters, LLC
State: OH

Complaint narrative:
my mother has been stealing my identity i did not have a car loan with XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Recently, I checked my credit report and noticed multiple billing errors under 15 U.S. Code 1666 ( b ) Billing Error : ( 4 ) The creditors failure to properly reflect on a statement a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error of an accounting nature on a statement.

15 U.S. Code 1666b - Timing of Payments ( 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 1637 ( b ) ( Statement required with each billing cycle ), is mailed or delivered to the consumer no later than 21 days before the payment due date.

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 2025-02-27 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: TX

Complaint narrative:
I'm filing a report against Experian for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Experian consistently responds within 24 hours stating the account is inaccurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Experian 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Experian complies with federal law and provides consumers with the necessary proof of investigation. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( Opened XX/XX/XXXX ) XXXX XXXX ( Opened XX/XX/XXXX ) XXXX XXXX XXXX XXXX XXXX ( Opened XX/XX/XXXX ) XXXX XXXX XXXX ( Opened XX/XX/XXXX XXXX XXXX XXXX XXXX ( Opened XX/XX/XXXX ) XXXX XXXX XXXX XXXX Opened XX/XX/XXXX ) XXXX XXXX  ( Opened XX/XX/XXXX ) XXXX XXXX ( Opened XX/XX/XXXX ) XXXX XXXX ( Opened XX/XX/XXXX ) XXXX  XXXX ( Opened XX/XX/XXXX ) 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 2025-02-27 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: CA

Complaint narrative:
I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 2025-02-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
in the year of XXXX I have enquiries I do not do or recognize. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Inquiry : XXXX. XXXXXXXX XXXX XXXX XXXX  Inquiry : XX/XX/XXXX, XXXX I have 2 inquiries from same entity. 

Also my name my name is incorrect XXXX, XXXX my name is spelled -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 2025-02-27 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: GA

Complaint narrative:
I recently discovered fraudulent activity on my credit report, including an unauthorized credit card account and multiple hard inquiries that I did not authorize. Below are the details : Fraudulent Credit Card Account : Creditor : XXXX XXXXXXXX XXXX Account Number : XXXX Opened On : XX/XX/XXXX Amount : {$500.00} Fraudulent Hard Inquiries : XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX  XXXX [ No date provided ] XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX These inquiries and the fraudulent account were made without my knowledge or consent, and they are a result of identity theft. Under my rights through the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ), I request the immediate removal of this unauthorized account and all listed hard inquiries from my credit report. 

Please investigate this matter and confirm in writing once the fraudulent items have been removed. Let me know if you need any additional information from me. I appreciate your prompt attention to this issue. 

Please note I will be leaving a screenshot of my ftc report. Report number 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 2025-02-27 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 recently discovered fraudulent activity on my credit report, including an unauthorized credit card account and multiple hard inquiries that I did not authorize. Below are the details : Fraudulent Credit Card Account : Creditor : XXXX XXXXXXXX XXXX Account Number : XXXX Opened On : XX/XX/XXXX Amount : {$500.00} Fraudulent Hard Inquiries : XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX  XXXX [ No date provided ] XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX These inquiries and the fraudulent account were made without my knowledge or consent, and they are a result of identity theft. Under my rights through the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ), I request the immediate removal of this unauthorized account and all listed hard inquiries from my credit report. 

Please investigate this matter and confirm in writing once the fraudulent items have been removed. Let me know if you need any additional information from me. I appreciate your prompt attention to this issue. 

Please note I will be leaving a screenshot of my ftc report. Report number XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-27 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: SC

Complaint narrative:
Good afternoon, I am writing to try and get some justice due to an apartment complex ( XXXX XXXX XXXX XXXX. XXXX, XXXX ) trying to get more money from me after I have already moved out. I moved out of XXXX XXXX XXXX XXXX XXXX XXXX During my time at the apartment I was unable to use my oven due to the burning smell it let out, my dishwasher reaked of rotten eggs and was fixed multiple times, my kitchen sink and disposal leaked every use ( I had to put a towel under neath or a bin to collect ). I would be told to try and run it and it would fix on its own. The apartment was infested with roaches and I had to move with the roaches which then put me in a position to where my new place had roaches also. To get it taken care of was expensive to say the least. There were times my apartment flooded and on call was no where to be found. No on call maintenance worker would answer or be dispatched. I would put work orders in back to back due to these issues such as the flooding, roaches, dish washer, etc. maintenance came but nothing was done. Maintenance Workers would enter my apartment while I was asleep with out any given notice ( I would see from my cameras that they entered ). The entire time at XXXX XXXX  my household and myself have been out at risk for unsafe living conditions many times. The apartment complex is trying to collect {$820.00} for cleaning, painting, etc. I have requested proof from the debt collectors ( Columbia debt recovery LLC DBA genesis ) they will not provide it. Instead they degrade and speak negatively to me and my father. I have asked it be brought to court because I have pictures of everything I endured and it is truly unfair that they are trying to get more money after all the money I paid to them. The debt collectors ( XXXX was his name ) specifically said I am not bringing XXXX $ to court and my only options is to pay it or it go to my credit. No one is willing to provide me with pictures or videos of what I need to pay and why. XXXX kept my security deposit of {$200.00} which would be put towards any fixing needed. I have many pictures and videos of the roaches, leaking walls, water coming completely through my apartment etc. I would be more than happy to provide any proof needed. I look forward to hearing back from your agency and I pray justice is served. Thank you so much is advance!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WV

Complaint narrative:
TransUnion and Equifax has recently changed my payment history which has always been XXXX percent history even after bankruptcy escape for Experian which I trying to get fixed..but they added missed payments from the area of which bankruptcy was already in process and they done it 2 years after the bankruptcy which I am pretty sure is illegal I need all of these late payments removed from my credit reports from XXXX  asap and if you can help with Experian that would be greatly appreciated I have already dispute with them this is the second time with them and I am so mad with the others that was just reported that's why I am filing a complaint with you guys cause this is not right on someone trying to rebuild credit and fix things then 2 years later decide they want to add stuff that shouldn't be there in the first place I was never late on payments until the bankruptcy was in place then there are not aloud to report or do anything until the bankruptcy process is completed... thanks 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 2025-02-27 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: NY

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-27 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: IL

Complaint narrative:
There has been fraudulent accounts made on my consumer report, I have no business with these companies mentioned on the attached document, also the address and phone numbers on my consumer report are inaccurate as well

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 2025-02-27 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: Zendable, Inc.
State: VA

Complaint narrative:
This account was closed due to fraud and Identity theft. I have filed a police report and this account should not report on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: Synovus Bank
State: UT

Complaint narrative:
I applied for a secured credit card on XX/XX/year>, was approved, and made a deposit of {$200.00} on XX/XX/year>. However, I later decided not to proceed and was informed that I could not retrieve my deposit. I have yet to receive the card and even spoke with a supervisor who assured me that a refund would be processed. When I called again this morning for an updated status, I was told that a refund is not an option. This situation is perplexing. The company has not extended any credit to me ; the {$200.00} is my money, and I believe I am entitled to a refund if I opt not to use the credit card.

Company response to consumer: Closed with explanation