vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-19 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 was made aware of several accounts that are not mine, that are being listed on my credit report. I want these removed from my report as they are not my accounts and I did not open them. I had an ex boyfriend that I believe is the one that opened these things up and messed up my stuff. I remember finding pictures of my ID on his phone and wondering why that would be there. I need your help to remove these fraudulent accounts from my credit report. Thank you so much

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Absolute Resolutions Corp.
State: IL

Complaint narrative:
I sent a certified debt validation letter to Absolute Resolutions Investments , LLC ( XXXX ) on XX/XX/year>. Despite this, XXXX has continued collection efforts including emails, phone calls, billing statements, and text messages without providing proper validation. They are also reporting this debt as an active credit card to XXXX, including a credit limit and utilization, even though XXXX confirmed by phone that they do not issue credit cards. 
Their web portal displays a card number, available credit, and billing terms, which misrepresents the debt and creates the appearance of an open, revolving credit account I never applied for or agreed to. This misleading interface could harm my creditworthiness and is deceptive.

I am requesting : 1. Immediate removal of this account from my credit reports.

2. A full investigation into XXXX  collection, reporting, and validation practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-19 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:
ACCOUNTS : XXXX XXXX XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-19 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: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: CO

Complaint narrative:
I am writing to dispute the fraudulent account # XXXX, which Columbia Debt Recovery is currently reporting and/or attempting to collect. This account is the result of identity theft, and I did not authorize, open, apply for, or benefit from any such debt. 

Additionally, it has come to my attention that there are three ( 3 ) different account numbers associated with this single alleged debt across different reports and communications, # XXXX, # XXXX, XXXX all referencing the same fraudulent apartment lease. This practice is deceptive, confusing, and in direct violation of federal law, including : FCRA 607 ( b ) ( 15 U.S.C. 1681e ( b ) ), which requires accurate and complete information to be reported FCRA 602 ( a ), which protects consumers from misleading credit reporting practices FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates removal of accounts resulting from identity theft You are hereby notified that I am invoking my rights under FCRA 605B and demanding : 1. Immediate deletion of Account # XXXX  and all associated/duplicate account numbers referencing the same alleged debt, from your system and any credit bureaus 2. A full block on all reporting and collection efforts related to this identity theft case 3. Written confirmation of these actions within 10 days

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-19 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Charged upfront or unexpected fees — 
Company: The J. G. Wentworth Company
State: AL

Complaint narrative:
I enrolled in a debt relief program with JG Wentworth in XX/XX/XXXX. As of XX/XX/XXXX, I have paid {$40000.00} into the program. Of this amount, only {$24000.00} has been used to pay my creditors, while {$16000.00} ( over 40 % of what Ive paid ) has been collected as fees. 

Most of these fees were front-loaded, with the company taking its cut early while delaying actual payments to creditors. In several cases, my creditors sent me direct settlement offers, which I uploaded to JG Wentworths portal as instructed. These offers were ignored, and the company ultimately settled for higher amounts than the original offers, with no evidence of negotiation or added value.

Additionally, JG Wentworths summary sheets are intentionally formatted to make tracking impossible. They are broken up into multiple pages, spread out inconsistently, and cant be easily compiled into a single spreadsheet. There is no clear breakdown of how much of my money has gone to fees versus debt only a lump sum showing what I paid and what they claim was applied to debt, even though over 40 % of my contributions were retained as fees. 

As a result, Ive paid more toward my debts than necessary, while the company profited significantly, with little transparency or service provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-19 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 am filing this complaint regarding the failure of Experian and Equifax to comply with federal laws under the Fair Credit Reporting Act ( FCRA ). Both credit bureaus are inaccurately reporting information on my consumer credit file. The errors persist despite previous dispute attempts and violate FCRA Sections 607 ( b ) and 611 ( a ). Below is a list of the accounts in question : Account Name Creditor Date Opened Balance Violation XXXX XXXX Miscellaneous Finance XX/XX/XXXX {$1400.00} Incomplete/Outdated Payment History XXXX Personal Loan Companies XX/XX/XXXX {$1600.00} Charge-Off Without Proper Dispute Resolution XXXX XXXX Other Collection Agencies XX/XX/XXXX {$350.00} Still Reported as Derogatory After Dispute XXXX  Factoring Companies XX/XX/XXXX {$950.00} Conflicting Reporting & Status Across Bureaus XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$0.00} Duplicate Account Inconsistently Reported XXXX Auto Dealers, Used XX/XX/XXXX {$0.00} Paid Charge-Off / Inconsistent Status Across CRAs These items reflect the failure to ensure maximum possible accuracy, timely updates after disputes, and consistency across all reporting bureaus. I am requesting that the Consumer Financial Protection Bureau investigate these reporting violations and ensure Experian and Equifax correct or delete the inaccurate entries as required by law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-19 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 submitting this identity theft dispute to Equifax under the Fair Credit Reporting Act ( FCRA ), specifically invoking my rights under 15 U.S. Code 1681c-2 ( Section 605B ). My name is XXXX XXXX XXXX, and I am the victim of identity theft. This is not a frivolous or duplicative dispute. I am submitting new documentary evidence to support my claim and to request the immediate deletion of the following fraudulent tradeline. 

Specifically, my XXXX Full File Disclosure dated XX/XX/year> confirms that the following account does not appear in their reporting system. This third-party confirmation supports my position that the tradeline is fraudulent and never legally belonged to me. The account remains inaccurately reported on my Equifax file, despite my prior dispute and supporting documentation. 

To support this dispute, I have submitted : FTC Identity Theft Report ( Reference No. XXXX ) Government-issued photo identification Proof of current address A written statement identifying the disputed account A copy of my XXXX consumer disclosure ( XX/XX/year> ) The disputed account is as follows : XXXX XXXX XXXX  Account number XXXX, Balance : {$1300.00} This account was not opened, authorized, or used by me. No signed contract, account application, billing history, or chain of assignment has been provided to justify the reporting of this tradeline. There is no permissible purpose under FCRA 1681b ( a ) ( 2 ) for Equifax to continue including this account in my credit file. 

This account violates the following federal laws : FCRA 1681c-2 ( c ) Equifax must block identity theft-related data within XXXX ( XXXX ) business days of receiving valid documentation. 

FCRA 1681e ( b ) Failure to ensure maximum possible accuracy. 

FCRA 1681c ( a ) ( 4 ) Unlawful re-aging and continued derogatory reporting. 

FCRA 1681i ( a ) ( 5 ) ( A ) Failure to delete unverifiable information. 

26 U.S. Code 6050P No IRS Form 1099-C issued for canceled debt over {$600.00}. 

Requested Resolution : I am demanding immediate deletion of the XXXX XXXX XXXX tradeline from my Equifax credit file within XXXX ( XXXX ) business days in accordance with FCRA 1681c-2 ( c ). Equifax must also provide written confirmation of deletion and a statement affirming that the account will not be reinserted unless all conditions under FCRA 1681c-2 ( d ) are satisfied, including advance notice and full documentation. 

Failure to take action in accordance with federal law will result in escalation to the CFPB, FTC, and appropriate legal channels under FCRA 1681n and 1681o for willful and negligent noncompliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-19 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:
XXXX XXXX XXXX XXXX {$9600.00} open date XX/XX/year> improper information request to see a debt validation claim US 1692G ask to see a detail for payment history US 609 ask to see original signature Also asked for assurance claim request for a chain of title. Also request for a 1099 tax claim for being sold to another company tax write off..

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 2025-07-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

Complaint narrative:
On XX/XX/XXXX I submitted a request for a number of items which do not belong to me to be removed. I received an email acknowledging they received my request and were waiting for information from the debt collection agencies. By law they are supposed to show me proof within XXXX  days that these items belong to me- which they do not- and that time has expired. I am therefore requesting these items be removed from my report IMMEDIATELY per the credit reporting law. I would like CFPBs help in enforcing this immediately.

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 2025-07-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Equifax is reporting my address as XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Fl XXXX, I have disputed this with them and provided them with a copy of my Driver 's license. Equifax has now said their incorrect information has been verified as valid and no change was made. They are also reporting a phone # of XXXX which is not my phone number. Equifax wants to report incorrect information against the FCRA guidelines even after proof has been provided.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-19 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: MOHELA
State: GA

Complaint narrative:
I would like for Mohela to stop reporting to my credit report for all credit bureaus as adequate information ( original loan contract ) requested has not been produced within the allocated timeframe. I have received an email requesting more time but the original timeframe failed to be met. No actions have been taken by Mohela other than to request more time while they continue reporting to the credit bureaus as delinquent for me. This is in response to complaint ID XXXX, but XXXX was my original complaint submitted XXXX. Both are requesting the original contract signed. Both times my requests have been prolonged but loans are still being reported to the credit bureaus causing me XXXX  and financial anguish.

Company response to consumer: Untimely response
Consumer complaint received 2025-07-19 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: CORELOGIC INC
State: NC

Complaint narrative:
I request the removal of the following items from my credit report : image below in attachments Please delete these items immediately. If not addressed, I will take legal action. 
These violations are considered Aggravated Identity Theft under [ 18 USC 1028A ] ( a ) ( 1 ), a felony offense. I am seeking the following compensations : XXXX Permissible purpose - {$1000.00} XXXX Defamation of character - {$1000.00} XXXX Damaged reputation - {$1000.00} XXXX Damaged creditworthiness - {$1000.00} XXXX Damaged mode of living - {$1000.00} XXXX Infringed right to privacy - {$1000.00} In White v. Experian XXXX XXXX XXXX XXXX ( 2015 ), the court held that Experian violated the FCRA by reporting incorrect credit information without conducting a reasonable investigation into the disputed items. This case underscores the legal obligation of CRAs to ensure the highest possible accuracy in the information they report. Additionally, [ 15 USC 1681s-2 ( a ) ( 1 ) ] requires consumer reporting agencies to maintain accurate records. I request an immediate investigation and correction of these entries Sincerely, XXXX XXXX Please send your written response to my address of XXXX XXXX XXXX, XXXX, NC, 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 2025-07-19 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: CA

Complaint narrative:
After receiving an email from Equifax notifying me that my personal information has been compromised in a data breach. I discovered negative and unauthorized information on my credit reports and I immediately contacted Experian, Equifax and TransUnion to dispute the items in question. I provided the necessary documentation to support my claims, explaining that these debts were not incurred by me and were a result of fraudulent activity linked to the Equifax data breach. Despite my efforts, Experian, Transunion and Equifax denied my case, asserting that the information had been " verified '' and leaving the fraudulent entries on my credit report. These denials has caused me significant distress, which have negatively affected my financial stability and mental well-being, as these negative marks are damaging my credit and my financial standing. Specifically, I have faced multiple instances of being denied services, including credit applications and other essential opportunities. I believe that Experian, Transunion and Equifax has not fully investigated the potential fraudulent activity tied to the Equifax data breach and I am seeking further assistance to correct the errors on my report. I remain committed to resolving this matter and protecting my financial well-being. 
UNAUTHORIZED ACCOUNTS LISTED BELOW : XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2025-07-19 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: CA

Complaint narrative:
After receiving an email from Equifax notifying me that my personal information has been compromised in a data breach. I discovered negative and unauthorized information on my credit reports and I immediately contacted Experian, Equifax and TransUnion to dispute the items in question. I provided the necessary documentation to support my claims, explaining that these debts were not incurred by me and were a result of fraudulent activity linked to the Equifax data breach. Despite my efforts, Experian, Transunion and Equifax denied my case, asserting that the information had been " verified '' and leaving the fraudulent entries on my credit report. These denials has caused me significant distress, which have negatively affected my financial stability and mental well-being, as these negative marks are damaging my credit and my financial standing. Specifically, I have faced multiple instances of being denied services, including credit applications and other essential opportunities. I believe that Experian, Transunion and Equifax has not fully investigated the potential fraudulent activity tied to the Equifax data breach and I am seeking further assistance to correct the errors on my report. I remain committed to resolving this matter and protecting my financial well-being. 
UNAUTHORIZED ACCOUNTS LISTED BELOW : XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-07-19 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: Advanced Resolution Services Inc.
State: NC

Complaint narrative:
I am writing to formally dispute the following information listed on my consumer report under the provisions of the Fair Credit Reporting Act ( [ 15 USC 1681i ] ( b ) ). I am exercising my right to challenge and correct any inaccuracies in my consumer information. I request a thorough investigation into these items and expect their removal or correction based on your findings. Moreover, [ 15 USC 1681s-2 ( a ) ( 1 ) ] requires consumer reporting agencies to follow reasonable procedures to ensure the maximum possible accuracy of the information they report. The case Taylor v. TransUnion LLC ( 2019 ) underscores the obligation to verify significant negative entries. Please take the necessary steps to rectify these discrepancies. 

See image below

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-19 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Harpeth Financial Services, LLC
State: VA

Complaint narrative:
I sent them an XXXX signature required letter to their place of business address to stop contact with me. I still am receiving multiple phone calls every day at all times of the day and night, non-stop. They have not sent any information in the mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-19 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: NC

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 non-monetary relief