vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-12 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: EQUIFAX, INC.
State: MI

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to XXXX XXXX XXXX ( b ) and XXXX XXXX XXXX, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-12 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: IL

Complaint narrative:
I need your assistance in looking into accounts from these companies that have inaccurately reported late payments. I checked my credit report and found certain accounts marked late, which is incorrect. These late payment remarks should be removed, and the accounts should be updated to reflect a positive, paid as agreed status.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-12 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:
This late payment mark is incorrect and does not align with my actual payment history. I have been diligent in making timely payments, and I request an update to ensure accuracy in my records.

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 2025-05-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: OR

Complaint narrative:
The information being reported about this account does not meet the standards required by the Fair Credit Reporting Act. Its not accurate, not properly verified, and should never have been included on my credit report in the first place. The FCRA clearly states that all reported information must be complete and fully accurate, and this account fails to meet that basic requirement.

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 2025-05-12 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: PA

Complaint narrative:
Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. Also, I have an enclosed copy of the Federal Trade Commission id-entity theft affidavit. Please find it in your best interest to delete the items. 


I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a XXXX grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case. 


Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified.

15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report.

15 U.S. Code $ 1681c-2 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 XXXX business days after the date of receipt. 

15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not re-add or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is complete and accurate.

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 2025-05-12 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: CT

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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 2025-05-12 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:
These inquiries were not made by me, and I have no relationship with the listed creditors. I kindly request their swift removal from my credit report.

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 2025-05-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
PLEASE BLOCKED AND REMOVED I respectfully request the elimination of these fraudulent accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.

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 2025-05-12 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Esusu, Inc.
State: GA

Complaint narrative:
On XX/XX/year> according to XXXX XXXX XXXX XXXX, I've requested a detailed list of payments made to all accounts that they are validating, secondly, I've requested the signature that I put on the contract guaranteeing that I would pay that creditor that they are validating. Thirdly I've asked to see if there have been any insurance claims filed on the debt their reporting. Finally, I've asked for proof of the chain of title to collect on the debt. I've requested these debt validations ; the company has not provided them.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL
State: OH

Complaint narrative:
I asked for an explanation on how the interest was being calculated and why the balance on my account was different than previously shown. 

I made a purchase in XXXX for {$9900.00}. I have made all payments on time. My Credit limit was changed without my knowledge and the available credit is different than the month prior. I also made a payment XX/XX/XXXX for {$50.00} and it is not showing an update of my correct available credit. When I called today XX/XX/XXXX I spoke with a XXXX who gave me a reference number of XXXX, however that did not solve my issue pertaining to the reason of why my available credit is not showing correctly or why my credit limit was changed. 

I would like to know why my available credit isn't showing correctly, why my credit limit was changed and why my payment I made on XX/XX/XXXX hasn't posted on my account.

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 2025-05-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: WA

Complaint narrative:
PLEASE BLOCKED AND REMOVED I respectfully request the elimination of these fraudulent accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Central Portfolio Control Inc.
State: TX

Complaint narrative:
This account was fraudulent. Opened XXXX while I was still serving time in prison. 

I have already informed the company Snap and all collections agencies since of the fraud and they have ignored a sold the debt from collection agencies to collections agencies ruining my credit, by reporting to XXXX credit bureaus. I need this Company to now pay me for damages.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-12 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: MD

Complaint narrative:
I would like what is fair and XXXX and have this account to be removed from my credit report completely and a copy of my updated report. 
XXXX and XXXX collections have been removed from my XXXX credit report and need all XXXX credit bureaus to remove and update my credit file. 
I have attached my XXXX report to this complaint 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) Requires credit reporting agencies to " conduct a reasonable reinvestigation '' to determine whether disputed information is inaccurate within 30 days of receiving a dispute.

15 U.S.C. 1681i ( a ) ( 4 ) Requires the credit bureau to " review and consider all relevant information '' submitted by the consumer during a dispute investigation.

15 U.S.C. 1681i ( a ) ( 5 ) ( A ) Mandates that if the disputed information " is found to be inaccurate or incomplete or can not be verified, '' the bureau must " promptly delete or modify '' that information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-12 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: MD

Complaint narrative:
I would like what is fair and XXXX and have this account to be removed from my credit report completely and a copy of my updated report. 
XXXX and XXXX collections have been removed from my XXXX credit report and need all XXXX credit bureaus to remove and update my credit file. 
I have attached my XXXX report to this complaint 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) Requires credit reporting agencies to " conduct a reasonable reinvestigation '' to determine whether disputed information is inaccurate within 30 days of receiving a dispute.

15 U.S.C. 1681i ( a ) ( 4 ) Requires the credit bureau to " review and consider all relevant information '' submitted by the consumer during a dispute investigation.

15 U.S.C. 1681i ( a ) ( 5 ) ( A ) Mandates that if the disputed information " is found to be inaccurate or incomplete or can not be verified, '' the bureau must " promptly delete or modify '' that 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 2025-05-12 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Kriya Capital, LLC

Complaint narrative:
I received regular robodials from someone claiming to be with Credence Resource Management ( https : //credencerm.com/ ) for nearly a year. Each call was from a different number, and different XXXX area code ( the latest was XXXX ). After a short pause, an individual not based in the US ( based on the consistency of accents each caller had ), claimed they were recording the call and wouldn't tell me what it was about. They said it was " an improtant business matter ''. On the latest call, I told them I was recording the call as well. The caller elevated to a " floor XXXX '' who had the same accent. He claimed he would remove my number, but I highly doubt that will happen.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
THIS IS ANOTHER EXAMPLE OF INCOMPETENCE AND DISHONESTY. IF THE CREDIT AGENCY FOLLOWED THE LAW, THIS WOULD HAVE BEEN FIXED A LONG TIME AGO. YOU CAN NOT DEPEND ON CFPB TO HELP TOO! FULL OF REPS PUSHING PENS AND SENDING EMAILS ALL DAY LONG WITHOUT LOOKING OUT FOR THE CONSUMER 'S BEST INTEREST.

I HAVE REQUESTED MULTIPLE TIMES FOR LOAN AGREEMENTS BEARING MY SIGNATURE FROM " ACHIEVE LOAN ''. I HAVE NEVER USED THIS COMPANY FOR ANY FINANCIAL-RELATED REASONS. YET, YOU CONTINUE TO ALLOW THIS FRAUDULENT REPORTING ON MY CREDIT REPORT.

IF THIS ACCOUNT IS NOT REMOVED WITHIN 30-DAYS FOR VIOLATING THE FCRA, I WILL STOP AT NOTHING TO SUE CFPB AND EXPERIAN FOR CONDONING THIS BEHAVIOR.

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 2025-05-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
FINAL DEMAND IMMEDIATE RELEASE OF FUNDS AND NOTICE OF LEGAL AND PUBLIC ESCALATION To Whom It May Concern : This letter serves as an unequivocal and final demand for the immediate release of {$200000.00} USD as of XXXX currently held or frozen in my bank account, which was unlawfully suspended or closed without proper justification or noticeimmediately prior to a scheduled direct deposit from the United States federal government. 

Your institutions conduct constitutes not only a breach of fiduciary duty but a potentially criminal obstruction of federally protected income. The blatant interference with my legal access to these funds will not be tolerated. If this issue is not resolved in full by the close of business on Wednesday, XX/XX/year>, I will initiate a full-scale legal assault against your organization, without further warning. 

You are hereby advised that I am prepared to : - File suit for compensatory and punitive damages for unlawful account interference and financial harm ; - Seek emergency injunctive relief to freeze assets and compel immediate release of funds ; - Publicly expose your institution through a comprehensive media campaign including a formal press release and direct coverage by major media networks such as XXXX XXXXXXXX and XXXX XXXX XXXX XXXX podcast, ensuring global visibility of your misconduct ; XXXXContact Office of the Comptroller of the Currency ( OCC ), and other federal regulatory bodies of your practices for potential enforcement action. 

This is not an idle threatit is a final opportunity to avoid costly litigation and public exposure. Failure to comply by the deadline will confirm your institutions intent to act in bad faith, and I will pursue all available legal remedies to their fullest extent. 

Preserve all internal records, call logs, correspondence, and transaction histories relevant to my account. You are on formal notice of impending legal action. 

Govern yourselves accordingly. 

Sincerely, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, VA 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 2025-05-12 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: MD

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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 2025-05-12 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: NC

Complaint narrative:
GenesisCRXXXX is reporting a rental collection account with an original balance of {$5600.00}, which has now increased to {$6500.00} with no record of payments or explanation for the increase. I have disputed this account multiple times through XXXX and directly with Genesis. Each time, Genesis " verifies '' the debt but refuses to provide documentation verifying the amount or the origin of the charges. 

I have asked repeatedly for a written agreement confirming that they would remove the account from my credit report upon payment ( a pay-for-delete agreement ), and they have refused every time. Numerous consumer reviews online reflect that even when people pay Genesis, they do not remove the item and continue to report it, breaking good faith. 

Additionally, they refuse to lower the inflated balance, which has gone up without explanation. I believe this constitutes deceptive and misleading reporting under the Fair Credit Reporting Act ( FCRA ) and possibly unfair debt collection practices under the FDCPA. 

My credit has been severely impacted by this account, and Genesis is offering no path forward, no documentation, and no resolution despite multiple attempts on my part.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-12 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: FL

Complaint narrative:
I have been disputing several accounts for over a year through both regular mail and online submissions. These accounts two from XXXX XXXX XXXX, one from XXXX, and one inaccurately reported late payment are all closed and paid in full. However, they are still being reported as charge-offs, which continues to negatively affect my credit report. 

Despite submitting multiple disputes to Experian and TransUnion, I have not received any response, and the inaccurate items remain on my report. I am formally requesting the removal of these accounts, as they are not reported accurately and are preventing me from qualifying for a mortgage and a vehicle loan. It has now been more than two years since I started trying to resolve this issue without success.

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 2025-05-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY

Complaint narrative:
I am filing a complaint against the account listed as XXXX ( Acct # XXXX * * ), which has been reported inaccurately and inconsistently across credit reporting agencies. 

I have disputed this account multiple times under my rights per the Fair Credit Reporting Act ( FCRA ) 611 [ 15 U.S.C. 1681i ], yet no reasonable investigation has been conducted. The account continues to report conflicting data such as different opening dates, payment history, and balance sXXXX XXXX XXXX XXXX XXXX  Equifax. 

Furthermore, the account is being reported with a charge-off status while simultaneously showing recurring late payments. This is a violation of the FCRA and constitutes re-aging, which unfairly extends derogatory reporting. 

Additionally, while the account is under formal dispute, it is still being reported negatively, which violates FCRA 611 ( a ) ( 3 ) accounts under dispute must be marked accordingly and not harm the consumers credit.

These actions also violate FCRA 1681s-2 ( b ) by the furnisher for failing to report accurate information after receiving disputes.

I demand immediate deletion of this account from my credit reports due to repeated noncompliance and continued harm to my creditworthiness. Please investigate and resolve this matter promptly.

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 2025-05-12 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:
Within the last few months several XXXX XXXX  '' cards I've obtained were reported XXXX  on my credit reports without my permission. I have attached letters to this complaint that I've sent to various crdit reporting agencies for your review.

Company response to consumer: Closed with explanation