vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-07 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:
XXXX XXXX XXXX XXXX XXXX XXXX La XXXX XXXX XXXX Subject : Request to Block Fraudulent Information Under 15 U.S.C. 1681c2 ( FCRA ) To Whom It May Concern, I am writing to formally request that you block certain information on my credit report that is the result of identity theft, in accordance with 15 U.S. Code 1681c2 of the Fair Credit Reporting Act ( FCRA ). I have identified the following fraudulent item ( s ) on my credit report : - Creditor Name-XXXX XXXX - Account Number : XXXX - Date Opened : XX/XX/year> Balance- XXXX - Reason : I did not authorize or open this account. I believe it was opened fraudulently in my name which also has discrepancies in balance and late payment history with each bureau. Enclosed with this letter, I am providing the required documentation : 1. A copy of my government-issued photo ID ( proof of identity ). 2. A copy of a recent utility bill or bank statement ( proof of address ). 3. A copy of my police report or FTC Identity Theft Report. 4. A signed statement declaring that I did not initiate or authorize the listed transaction ( s ) and that they are the result of identity theft. Please initiate a block on the above-mentioned fraudulent information within the 4 business days required by law and confirm in writing once the block is in place. If you need additional information, feel free to contact me at the number or email above. Sincerely, XXXX XXXX XXXX : - Copy of ID - Proof of address - Police/FTC Identity Theft Report - Written statement of fraud - Screenshots of inaccuracy Please verify this account or delete. Verification is not considered Validation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-06 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: IL

Complaint narrative:
I am disputing the rental debt reported on my file by Fair Collections and Out Sourcing. 
I have never rented that said apartment and was living in XXXX  renting an apartment in XXXX, XXXX  and was employed in XXXX. I did not rent or occupy that apartment ever. 
XXXX XXXX - XXXX XXXX, XXXX in excess of XXXX I am requesting that the CFPB assist in obtaining and reviewing the following documents * a copy of the signed lease ( which I requested earlier and was not provided ) * copy of my signature on lease * payment history * evidence that I lived there as I was renting in XXXX  * no start date of lease on report - just Collection please provide * the collection date appears to show collection with no start date of lease * missing data for XXXX I have disputed and there has been no evidence that the collection company has been contacted so please provide name of your contact at the collection agency for verification and follow up. 
If not completely verifiable within the 30 day period you are required to remove. Do so please.

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 2025-08-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Late payment entries appear on my report that I believe are inaccurate Under 15 USC 1681e ( b ) and 15 USC 1681i my report must contain only information that is accurate complete and verifiable I am requesting that these late payment entries be verified and if they can not be confirmed they should be corrected or removed

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 2025-08-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
The personal details on my credit report contain errors, particularly with old or incorrect addresses that need to be taken off immediately. Ive included the appropriate documentation to support these changes, and I am requesting that these be removed from my credit profile as soon as possible.

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 2025-08-06 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: MO

Complaint narrative:
I am writing to formally dispute a {$10000.00} debt currently listed on my credit reports with TransUnion and XXXX. This account has been closed and is approaching 8 years in age. According to the Fair Credit Reporting Act ( FCRA ), negative items such as this should not remain on a consumers credit report beyond 7 years from the date of first delinquency. 

As this account is beyond the legal reporting period, I am requesting that it be immediately deleted from my credit file with both bureaus. 

Please investigate this matter and confirm removal in writing. Thank you for your prompt attention.

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 2025-08-06 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: MO

Complaint narrative:
I am writing to formally dispute a {$10000.00} debt currently listed on my credit reports with XXXX  and Equifax. This account has been closed and is approaching 8 years in age. According to the Fair Credit Reporting Act ( FCRA ), negative items such as this should not remain on a consumers credit report beyond 7 years from the date of first delinquency. 

As this account is beyond the legal reporting period, I am requesting that it be immediately deleted from my credit file with both bureaus. 

Please investigate this matter and confirm removal in writing. Thank you for your prompt attention.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-07 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:
This is a formally disputing of several fraudulent items on my credit report that are the result of identity theft. Upon obtaining a recent copy of my credit report, I discovered unauthorized fraudulent accounts, personal information and credit inquiries that do not belong to me. 

Enclosed with this letter are the documents supporting my claim, including a Federal Trade Commission ( FTC ) identity theft report. Please note that the FTC identity theft report is legit and accurately reflects the identity theft incident. I request that you do not question its authenticity and use it as grounds to delay investigating and removing these fraudulent items from my credit report. 

Under the Fair Credit Reporting Act ( FCRA ), specifically sections 605B 1681C-2 and 611 1681E, you are legally required to BLOCK AND REMOVE the fraudulent information from my credit report within four business days. 

These sections mandate your obligations as a credit reporting agency to protect consumers in cases of identity theft and to promptly investigate and eliminate unauthorized fraudulent information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-07 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: FL

Complaint narrative:
This is a formally disputing of several fraudulent items on my credit report that are the result of identity theft. Upon obtaining a recent copy of my credit report, I discovered unauthorized fraudulent accounts, personal information and credit inquiries that do not belong to me. 

Enclosed with this letter are the documents supporting my claim, including a Federal Trade Commission ( FTC ) identity theft report. Please note that the FTC identity theft report is legit and accurately reflects the identity theft incident. I request that you do not question its authenticity and use it as grounds to delay investigating and removing these fraudulent items from my credit report. 

Under the Fair Credit Reporting Act ( FCRA ), specifically sections 605B 1681C-2 and 611 1681E, you are legally required to BLOCK AND REMOVE the fraudulent information from my credit report within four business days. 

These sections mandate your obligations as a credit reporting agency to protect consumers in cases of identity theft and to promptly investigate and eliminate unauthorized fraudulent information.

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 2025-08-06 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: CA

Complaint narrative:
I recently looked at my credit report and found multiple accounts that I do not recognize and did not approve. This makes me concerned about my private information, which I have not allowed anyone to use. As a victim of identity theft, I urgently ask for the immediate removal of these fraudulent accounts from my credit report. My private personal information may have been leaked in a data breach. I have mentioned the fraudulentaccountsbelow. XXXX XXXX XXXXXXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-06 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:
I never opened these accounts, and they are a result of fraudulent activity. I expect their removal from my credit profile within 15 days per USC 1681g. Evidence is enclosed.

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 2025-08-07 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: MI

Complaint narrative:
I am reporting inaccurate and potentially misleading credit reporting by XXXX XXXX XXXX XXXX in possible violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681s-2 ( a ) and ( b ), which requires furnishers of credit information to report accurately and to correct or delete information that is not complete or accurate. 

According to my credit report : The XXXX account was opened on XX/XX/XXXX with a credit limit of {$2700.00}, and a highest balance of {$2800.00}. 

The account was charged off for {$2700.00} and subsequently sold to XXXX XXXX XXXX XXXX, as indicated in the credit report. 

Despite the sale, XXXX  continued to report negative payment history and charge-off status updates through XX/XX/XXXX, including : 30 days late in XXXX XXXX 60 days late in XXXX XXXX  90 days late in XXXX and XXXX XXXX  120 days in XXXX XXXX  150 days in XX/XX/XXXX Charge-Offs in XXXX and XXXX XXXX Under the FCRA, specifically 1681s-2 ( a ) ( 1 ) ( A ), furnishers must not report information with actual knowledge of errors, and under 1681s-2 ( b ), once a dispute is filed, furnishers are required to investigate and correct inaccuracies. Continued reporting of new delinquencies or charge-offs after the sale of the account misrepresents the status and ownership of the debt.

Additionally, this creates a duplicate derogatory impact because the account is now also reported by XXXX XXXX XXXX, the debt purchaser, causing the same debt to be reported twice in separate trade lines. This is misleading to lenders and unfairly lowers my credit score. 

A reinvestigation completed in XX/XX/XXXX ( according to Experian ) did not resolve the issue. Despite my efforts, Allys tradeline continues to reflect late payments and charge-offs after they no longer owned the account. This goes against the FCRA requirement that credit reporting must be both accurate and not materially misleading ( as interpreted in court rulings such as Seamans v. Temple University, 744 F.3d 853 ( 3d Cir. 2014 ) ).

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 2025-08-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I did not approve these transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these accounts be blocked and removed from my record. This is not a mistake or a misrepresentation. These transactions were included without my explicit consent or instruction. I am stressing this to highlight the seriousness of my request. It is based on accurate information, and I am not attempting to deceive or manipulate the situation in any way. My intent is solely to ensure that my consumer report reflects only those transactions that I have authorized. I am committed to maintaining the integrity of my financial records and ensuring that they are accurate and truthful. My request is genuine and aimed at correcting an unauthorized inclusion, not at exploiting any system or misleading any party involved.

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 2025-08-06 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
There are collection accounts listed on my report that I believe contain inaccurate information Under 15 USC 1681e ( b ) and 15 USC 1681i I am entitled to an accurate credit report I am requesting a review of these entries and if they can not be verified as accurate they should be removed

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 2025-08-06 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am asking Experian to please make a correction to the following fraudulent information. 

Please remove these accounts off my credit report : Please delete the late payment on this account. 
Account Name XXXX XXXX Account Number : XXXX Please delete the following fraudulent accounts on my credit repot. 

Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX  XXXX Account 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 explanation
Consumer complaint received 2025-08-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: Atlanticus Services Corporation
State: MO

Complaint narrative:
I am disputing a 30-day delinquency reported by XXXX  ( account ending in XXXX ) that is inaccurate and has caused significant damage to my credit. 

The payment in question was due on XX/XX/XXXX. I made a payment on XX/XX/XXXX, which was later reversed. I then attempted to make follow-up payments on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, all before 30 full days had passed from the due date. Despite these repeated efforts, XXXX  reported my account as 30 days delinquent, resulting in a XXXX drop in my XXXX  score on XX/XX/XXXX. 

On XX/XX/XXXX at XXXX XXXX., I called XXXX  and was told by a representative that my account was current and the negative report would be removed. I asked multiple times if the delinquency would be taken off like it was never there, and she told me yes. She also acknowledged during the call that my account had never been 30 days late. She acted like it was a normal issue, saying they report to the credit bureaus monthly and made it seem like this kind of correction was routine. 

On XX/XX/XXXX at XXXX XXXXXXXX, I called again to request a written confirmation. This time I was told that the previous representative didnt look closely enough and the information I was given was incorrect. I asked if the XX/XX/XXXX call had been recorded and was told yes, but I was not allowed to access the recording. I was also told that a note had been added to my account, but when I asked to see that note, I was denied access to that as well. 

This has resulted in misinformation, refusal to provide documentation, and damage to my credit. I am requesting that XXXX  correct the inaccurate 30-day delinquency report, as I never went 30 full days without attempting payment, and they previously admitted this during a recorded call. I am also requesting confirmation that this correction has been submitted to all credit reporting agencies. 

While my statements reflect past due balances, I was never 30 days delinquent under credit reporting standards. The past due status resulted from a payment reversal, but I made multiple follow-up attempts to pay including on XX/XX/XXXX, and XXXX well before the 30-day mark. Reporting a 30-day late under these conditions is inaccurate.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-06 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: NC

Complaint narrative:
XXXX  Dispute Letter XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXXXXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Re : Urgent Request Fraudulent Information and Inquiries Block under Section 605B of the FCRA Account in Dispute : XXXX XXXX Account Number : XXXX Reported Balance : {$9100.00} To Whom It May Concern, I am writing to urgently request the removal of fraudulent accounts and inquiries on my credit report due to identity theft. The inaccurate information is causing significant harm to my credit, and I expect immediate corrective action. Per Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ), the following fraudulent accounts must be blocked and permanently removed from my credit file.

I am invoking my right to have fraudulent information blocked and permanently removed from my credit report within four ( 4 ) business days from the date of receipt of this letter. Additionally, I request the removal of all unauthorized inquiries related to this identity theft. Failure to comply with this request will leave me no choice but to pursue legal action.

If this fraudulent information is not blocked and removed, I will file complaints with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ), and I will seek monetary damages for the harm caused by the continued reporting of these inaccuracies.

I also demand the immediate removal of all unauthorized inquiries related to this identity theft, which were not authorized by me and have negatively impacted my credit. If these inquiries are not promptly removed, I will escalate this matter to the appropriate legal authorities.

I expect written confirmation by XX/XX/year>, confirming that the fraudulent account and any related unauthorized inquiries have been fully removed from my credit report. This is a time-sensitive matter, and you are now officially on notice. Failure to act promptly will result in further legal action to protect my rights and restore my credit. 

Thank you for your immediate attention to this issue. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-07 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: NY

Complaint narrative:
Recently | looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy Here is the item I am asking you to verify as accurate XXXX account ( XXXX XXXX & XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-06 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: MO

Complaint narrative:
Accounts reporting without my consent and open without my consent

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-06 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: MO

Complaint narrative:
Accounts reporting without my consent and open without my 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 non-monetary relief
Consumer complaint received 2025-08-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am disputing multiple unauthorized credit inquiries on my report that were made without my consent. These entries have harmed my credit score and raise serious concerns about potential identity theft.

Despite prior assurances that these inquiries would be removed, they remain. This ongoing inaction is unacceptable and has caused significant emotional and financial distress.

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