vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-04 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: CA

Complaint narrative:
Dear Experian, I am writing to formally dispute inaccurate information that appears on my credit file with your bureau. This letter is being sent pursuant to my rights under the Fair Credit Reporting Act ( 15 U.S.C. 1681 ) and 15 U.S.C. 1605 ( a ) regarding finance charges.

On my credit report, the account listed below is being reported with late payments. However, under 15 U.S.C. 1605 ( a ), if a finance charge was included in the sum of all payments for this account, there should not be any late payments reported. 
Account in Question : Creditor Name : XXXXXXXX Account Number : XXXX XXXX XXXX XXXX XXXX Reported Late Payments : XX/XX/2025

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 2025-12-04 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: TX

Complaint narrative:
These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately. 
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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-04 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 accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately. 
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

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 2025-12-04 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: IL

Complaint narrative:
I am submitting this dispute statement to report inaccuracies and discrepancies across my credit report. Below are the accounts in dispute, separated by each credit bureau for clarity : Charged Off Accounts : XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1600.00} Inquiries : XXXX  Date : XX/XX/XXXX Late Payments : XXXX  XXXX Account Number : XXXX XXXX  XXXX Account Number : XXXXXXXX XXXX Account Number : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Im writing this letter to formally correct and/or update the Personally Identifiable Information ( PII ) that your agency is apparently storing in a credit file under my SSN.

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 2025-12-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: IL

Complaint narrative:
PORTFOLIO RECOV ASSOC is falsely reporting on my credit. I have never had any accounts with them. Per my research PORTFOLIO RECOV ASSOC is a debt collector. They are falsely reporting on my credit!! Account number is XXXXXXXX XXXX XXXX XXXX XXXX XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-04 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: ENOVA INTERNATIONAL, INC.
State: IN

Complaint narrative:
I have a revolving line of credit with XXXX ( Enova ). The account originated on XX/XX/year>. XXXX  charges a 10 % cash-advance fee on every draw and a recurring statement balance fee every two weeks even when I do not borrow additional funds. No APR is disclosed despite these charges functioning as finance charges. This results in multiple fees applied repeatedly to the same balance and an effective APR that far exceeds Indianas legal limits.of XXXX. 
Which response do you prefer? Responses may take a moment to load. 
XXXX Response 1 Great once XXXX has the dispute letter, the clock starts.

Now we file the regulator complaints, which gives you legal protection and forces a real investigation.

Ill walk you through each one with exact wording to paste.

STEP 1 FILE THE CFPB COMPLAINT This is the most important one.

Go to : https : //www.consumerfinance.gov/complaint/ Choose : Loan or credit product Line of credit Company : XXXX ( Enova International , Inc. ) When it asks What happened?, paste this paragraph : CFPB Narrative Copy/Paste This I have a revolving line of credit with XXXX  ( Enova ). The account originated on XX/XX/year>. XXXX charges a 10 % cash-advance fee on every draw and a recurring statement balance fee every two weeks even when I do not borrow additional funds. No APR is disclosed despite these charges functioning as finance charges. This results in multiple fees applied repeatedly to the same balance and an effective APR that far exceeds Indianas legal limits.

The fee structure is not properly disclosed, is designed to avoid APR disclosure, and violates the Indiana Uniform Consumer Credit Code. I request that the CFPB require XXXX to : ( 1 ) explain how finance charges are calculated, ( 2 ) recalculate the account using lawful methods, ( 3 ) refund or credit unlawful fees, and ( 4 ) correct the account going forward without closing it or negatively reporting.

I have already submitted a formal billing dispute to XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-04 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Southwest Credit Systems, L.P.
State: AR

Complaint narrative:
Balance is incorrect theres is no breakdown of fees i was never notified I was not given a chance to dispute and also I did not give permission for my information to be sold

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-04 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: VA

Complaint narrative:
I was sent a notice form Columbia Debt Recovery LLC, dba Genesis XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX saying that i owed a debt of {$550.00} to XXXX an apartment building i never lived in but applied to the application fee was {$550.00} which i paid and they refunded. Then months later i received a notice from this agency. On XX/XX/XXXX i sent an email saying to mark it disputed and provide proof i owe the debt. They never did on XX/XX/year>XXXX  i called in which the person on the line was yelling at me claiming i owe the debt saying he doesnt need to provide me proof and that im not a lawyer and i will owe more.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-04 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: OH

Complaint narrative:
Dear Sir/Madam, I am writing to dispute certain items listed on my credit report. The following accounts and inquiries are inaccurately reported and I request they be corrected or removed. These accounts are listed separately for each credit bureau : Inquiries XXXXXXXX XXXXXX/XX/year>

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-04 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:
i am a victim of identity theft. these accounts do not belong to me. I have been a victim of a data breach.

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 2025-12-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
I have encountered difficulties accessing my EQUIFAX & EXPERIAN account and was instructed to send identification documents for verification. Despite providing clear and legible documentation, I am still unable to access my account. This is why I escalated the matter through the CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-04 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: TX

Complaint narrative:
I am disputing the following charged-off accounts on my Experian credit report : XXXX - Account No. XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX - Account No. XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} Inquiries : I am disputing the following inquiries on my Experian credit report : XXXX XXXXXXXX XXXX - Date : XX/XX/XXXX XXXX XXXX - Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX  - Date : XX/XX/XXXX XXXX XXXX - Date : XX/XX/XXXX XXXX XXXXXXXX XXXX - Date : XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX - Date : XX/XX/XXXX XXXX XXXX XXXX - Date : XX/XX/XXXX XXXX XXXX XXXX - Date : XX/XX/XXXX XXXX XXXX XXXX - Date : XX/XX/XXXX XXXX XXXX XXXX - Date : XX/XX/XXXX XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX  - Date : XX/XX/XXXX XXXX XXXX  - Date : XX/XX/XXXX XXXX XXXX - Date : XX/XX/XXXX XXXX XXXX XXXX - Date : XX/XX/XXXX XXXX XXXX XXXX - Date : XX/XX/XXXX XXXX XXXX - Date : XX/XX/XXXX XXXX XXXXXXXX XXXX - Date : XX/XX/XXXX Late Payments : I am disputing the following late payments on my Experian credit report : XXXX - Account No. 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 2025-12-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am reaching out to formally dispute fraudulent information appearing on my credit report, pursuant to 15 U.S.C. 1681c-2. I am requesting that this information be blocked or removed immediately. Attached to this letter is my Identity Theft Report issued by the FTC ( FTC Report Number : XXXX ) as evidence of my claim. 
According to the referenced law, when a consumer submits a valid identity theft report, credit reporting agencies are required to block any information identified as resulting from identity theft within four ( 4 ) business days.

The following account listed on my credit report is the direct result of identity theft and must be blocked immediately : XXXX XXXX - XXXX, XXXX XXXX - XXXXXXXX XXXX XXXXXXXX In accordance with 15 U.S.C. 1681c-2, I respectfully request that this account be blocked from my credit file without delay. The block should remain in place for a period of one year, with the option to extend if needed. During this period, no information related to this account may be reported.

I have made multiple attempts to contact EQUIFAX to report this issue, but I have not received a clear or satisfactory resolution.

I am currently going through a difficult financial time, and these accounts are seriously affecting my ability to achieve financial stability for myself and my family.

Its important to note that other credit bureaus have already removed these accounts due to lack of verification, so I do not understand why this agency continues to report them as valid. Furthermore, I requested copies of any contracts or documents supposedly linking me to these accounts, and more than 60 days have passed without a response.

I kindly ask for your support and understanding, and I urge you to take immediate action to block or remove these accounts. This situation is causing significant personal and financial harm.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: ID

Complaint narrative:
The entry does not reflect actual payment performance.

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 2025-12-04 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: TN

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

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 2025-12-04 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: FL

Complaint narrative:
I am disputing the accuracy of the charged-off accounts, inquiries, and late payments reported on my Equifax credit report. These items may not be reported correctly and require further review to comply with the Fair Credit Reporting Act ( FCRA ). 

Charged Off Accounts : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1100.00} XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$960.00} Inquiries : [ No inquiries listed ] Late Payments : XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXXXXXX XXXX Account Number : XXXX DEPT OF EDUCATIONXXXX Account Number : XXXX DEPT OF EDUCATIONXXXX Account Number : XXXX DEPT OF EDUCATION/XXXX Account Number : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-04 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: FL

Complaint narrative:
I am unrelated to these accounts ; please remove them within 15 days under USC 1681g.

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 2025-12-04 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: SC

Complaint narrative:
I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
American express kept calling my job and i inform them not to call my job.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-04 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: GA

Complaint narrative:
IDENTITY THEFT DISPUTE EXPERIAN VERSION ( UPDATED + STRONGER ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX : XX/XX/XXXX To : Experian Information Services XXXX. XXXX XXXX XXXX, TX XXXX Re : FORMAL IDENTITY THEFT DISPUTE 15 U.S.C. 1681c-2

( Block & Delete Required Within 4 Days ) To Whom It May Concern, This is my formal identity theft dispute submitted under 15 U.S.C. 1681c-2, which requires Experian to block and delete all information resulting from identity theft within 4 business days of receiving my dispute and supporting documentation.

I did not authorize the opening, use, or reporting of the accounts listed below. I never gave written consent, verbal consent, or any permissible purpose authorization for any company, lender, or furnisher to obtain or furnish my personal information. 
Fraudulent Accounts to Immediately Block & Delete ( 1681c-2 ) : XXXXXXXX XXXX  Acct # XXXX XXXX XXXX XXXX Acct # XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX Acct # XXXX XXXX XXXX These accounts were created or used without my knowledge or permission, and are the direct result of identity theft.

Experian Is Required by Federal Law to : Under 1681c-2 ( a ), Experian must : 1. Block all identity theftrelated accounts within 4 business days.

2. Delete all associated tradelines and information from my file.

3. Provide written confirmation of all deletions.

4. If any item is verified, provide the Method of Verification under 15 U.S.C. 1681i ( 7 ) including the name of the individual who verified it and the documentation used. 
Additional Legal Notice : Any refusal, delay, or alteration of this identity theft block will result in immediate complaints to the : FTC ( Federal Trade Commission ) CFPB ( Consumer Financial Protection Bureau ) Georgia Attorney General Experian is fully responsible for maintaining maximum possible accuracy under 1681e ( b ) and for conducting a reasonable investigation under 1681i ( a ) ( 1 ) ( A ). 
Sincerely, 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 2025-12-04 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: NC

Complaint narrative:
ssue : Equifax continues to report a fraudulent address on my online credit file, even though I have disputed it multiple times. 



The false address is : XXXX XXXX XXXX XXXX, NC XXXX I have never lived at this address. I have disputed it online and have called Equifax every month. Every time, they claim the address has been removed, yet it still appears on my online file, which lenders use and which I rely on. I am attaching screenshots as proof. 



This is a violation of the Fair Credit Reporting Act, including : Failure to assure maximum possible accuracy Failure to conduct a reasonable reinvestigation Failure to correct inaccurate information within required timeframes Equifax agents also tell me I can not access or purchase their premium subscription until XXXX, giving contradictory explanations that make no sense. They claim the address will fall off in XXXX, yet they also claim it is already removed. Their system clearly has errors, but they refuse to fix them. 



Because Equifax will not properly update my file, I am stuck with a fraudulent address and can not use their services. 



Requested Resolution : I want the CFPB to require Equifax to : Permanently delete the fraudulent address from all systems. 
Refresh and correct my online credit file so the address no longer appears on my end. 
Fix whatever internal issue is blocking me from accessing premium services. 
Provide written confirmation that my file has been corrected. 




This issue has been ongoing for months, and Equifaxs responses have been inconsistent, inaccurate, and in violation of the FCRA. I need the CFPBs intervention.

Company response to consumer: Closed with explanation