vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
This account was charged off on the following date XX/XX/year>. Since then the account has repeatedly been updated as charged off every month. This is an update in the payment history. A charged off account should NOT include an active payment history. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly and your neglect has violated my rights. I am demanding the deletion of the following account : 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 2025-04-30 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: IL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion and Experian credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened aXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX under the account number ( # XXXX ), a loan account opened at XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX under the account number ( # XXXX ), a personal loan account opened at XXXX XXXX XXXX XXXX XX/XX/XXXX under the account number ( # XXXX ). These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX  credit report maintained by you which shows the aforementioned fraudulent items. 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. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit 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 2025-04-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I RECEIVED A ALERT FROM MY CREDIT MONITORING SYSTEM THAT SOMEONE HAD APPLIED FOR LINES OF CREDIT. I DID NOT APPLY FOR ANYTHING NOR DO I HAVE ANY AFFILIATION WITH THE CREDITORS. I CONTACTED THE CREDIT REPORTING AGENCIES NOTIFYING THEM OF THE FRAUDULENT INQUIRIES. I SPOKE WITH REPRESENTATIVES IN THE FRAUD DEPARTMENT THAT ASSURED ME THIS WOULD BE RESOLVED. I OBTAINED A NEW COPY OF MY CREDIT REPORT AND NOTICED INQUIRIES STILL LISTED THAT I HAVE NOT AUTHORIZED. THESE INQUIRIES HAVE IMPACTED MY CREDIT.

I HAVE NOT GIVEN MY PERMISSION OF ANY OF THIS INFORMATION TO BE REPORTED TO CONSUMER PROFILE WHICH IS IN VIOLATION OF 15 USC 1681.

FURNISHING INFORMATION TO MY CREDIT REPORT IN DIRECT RESULT OF IDENTITY THEFT IS IN VIOLATION OF 15 USC 1681 C-2 I HAVE NOT APPLIED FOR ANY LINES OF CREDIT WITH MENTIONED CREDITORS

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 2025-04-30 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I RECEIVED A ALERT FROM MY CREDIT MONITORING SYSTEM THAT SOMEONE HAD APPLIED FOR LINES OF CREDIT. I DID NOT APPLY FOR ANYTHING NOR DO I HAVE ANY AFFILIATION WITH THE CREDITORS. I CONTACTED THE CREDIT REPORTING AGENCIES NOTIFYING THEM OF THE FRAUDULENT INQUIRIES. I SPOKE WITH REPRESENTATIVES IN THE FRAUD DEPARTMENT THAT ASSURED ME THIS WOULD BE RESOLVED. I OBTAINED A NEW COPY OF MY CREDIT REPORT AND NOTICED INQUIRIES STILL LISTED THAT I HAVE NOT AUTHORIZED. THESE INQUIRIES HAVE IMPACTED MY CREDIT.

I HAVE NOT GIVEN MY PERMISSION OF ANY OF THIS INFORMATION TO BE REPORTED TO CONSUMER PROFILE WHICH IS IN VIOLATION OF 15 USC 1681.

FURNISHING INFORMATION TO MY CREDIT REPORT IN DIRECT RESULT OF IDENTITY THEFT IS IN VIOLATION OF 15 USC 1681 C-2 I HAVE NOT APPLIED FOR ANY LINES OF CREDIT WITH MENTIONED CREDITORS

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-30 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: CA

Complaint narrative:
Was recently going over my credit report and noticed some false and inaccurate information for some that I did not and some late payments are inaccurate are XXXX XXXX XXXX  account number XXXX date open XX/XX/XXXX next late account milestone jeweler account number XXXX date open on XX/XX/XXXX and two collection accounts that I did not authorize or have any knowledge of XXXX and XXXX account number XXXX date open XX/XX/XXXX, and XXXX XXXX XXXX account number XXXX date open XX/XX/XXXX. I would like both of these accounts removed and permanently deleted. They have affected my credit score dramatically in my ability to purchase a home.also I noticed for inquiries that I did not authorize as well that are listed in my dispute letter my FTC identity, theft report for these incidences uploaded, and if you can not provide me with the documentation, I have asked for in the timeframe, I have asked for immediately update my late accounts to PAANL status and if you can not do so, I want him to delete it permanently from my credit report and asked for the two collections that I did not authorize and dont know why they are on my credit report XXXX and XXXX XXXX and XXXX XXXX XXXX XXXX I want permanently deleted and removed from my credit report under FCRA section 605B

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
THIS IS NOT MY FIRST ATTEMPT TO REQUEST ASSIST IN HELPING ME REMOVE FRAUDULENT AND INACCURATE INFORMATION REPORTING ON MY CREDIT FILE. I AM A VICTIM OF IDENTITY FRAUD AND ATTACHED WILL BE ALL MY SUPPORTING DOCUMENTS. PLEASE HELP ME REMOVE ALL THOSE FRAUDULENT ACCOUNTS THAT WERE FRAUDULENTLY OPEN USING MY IDENTITY.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-30 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: TX

Complaint narrative:
I disputed this account before and there are still inaccuracies and incomplete information on my credit report. I am requesting the description of procedures and they have XXXX  days to provide it to me or they have to delete the inaccurate accounts i am disputing. Attached is the letter requesting the description of procedures

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 2025-04-30 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: TX

Complaint narrative:
I disputed this account before and there are still inaccuracies and incomplete information on my credit report. I am requesting the description of procedures and they have XXXX  days to provide it to me or they have to delete the inaccurate accounts i am disputing. Attached is the letter requesting the description of procedures

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 2025-04-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

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 2025-04-30 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: GA

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

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 2025-04-30 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:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-30 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: FL

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written 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 2025-04-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: TX

Complaint narrative:
Subject : Request for Debt Validation and Verification To Whom It May Concern, I am writing to formally request validation of the alleged debt referenced in your recent communication dated XX/XX/scrub>/2025. Under the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 U.S.C. 1692g, I am entitled to request and receive verification of any debt you claim I owe.

Please provide the following documentation to substantiate your claim : Original Contract with Wet Ink Signature : A copy of the original signed agreement between myself and the original creditor, demonstrating my obligation to the alleged debt.

Proof of Debt Ownership : Documentation evidencing your legal right to collect this debt, such as an assignment or purchase agreement from the original creditor.

Account Statements : Detailed statements showing the account history, including charges, payments, and the current balance.

Debt Validation Notice : A copy of the initial validation notice you are required to send within five days of first contact, as stipulated by 15 U.S.C. 1692g ( a ).

Licensing Information : Proof that your agency is licensed to collect debts in the state of Texas, as required by state law.

Statute of Limitations : Information regarding the date of the last payment or activity on this account to determine if the debt is within the statute of limitations for collection in Texas.

Please be advised that under 15 U.S.C. 1692g ( b ), you are required to cease all collection activities until this validation is provided. Failure to comply with this request may result in a formal complaint to the Consumer Financial Protection Bureau ( CFPB ), the Texas Attorney Generals Office, and the Federal Trade Commission ( FTC ).

I request that all future communications regarding this matter be conducted in writing and sent to the address listed above.

Thank you for your prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-30 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: NC

Complaint narrative:
It has come to my information that my personal information was exposed in a nationtal data breach. After reviewing my credit report I noticed some accounts that I am not familiar with. I have asked the Credit reporting Agencies for validation of debt, however the information has not been provided. Due to my information being exposed, I have submitted a FTC complaint reporting the information that I am not familiar with. 

Please find attached a copy of my drivers license, social security card, FTC report, and the copy of the XXXX report showing my information being exposed in a NATIONAL DATA BREACH and a Validation Of Debt letter.

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 2025-04-30 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:
It has come to my information that my personal information was exposed in a nationtal data breach. After reviewing my credit report I noticed some accounts that I am not familiar with. I have asked the Credit reporting Agencies for validation of debt, however the information has not been provided. Due to my information being exposed, I have submitted a FTC complaint reporting the information that I am not familiar with. 

Please find attached a copy of my drivers license, social security card, FTC report, and the copy of the XXXX report showing my information being exposed in a NATIONAL DATA BREACH and a Validation Of Debt letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-30 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: EdFinancial Services
State: AL

Complaint narrative:
CFPB XXXX XXXX XXXX XXXX XXXX Credit Bureaus XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Department of Education Abolishment To Whom It May Concern, I am filing a formal complaint against Ed Financial, XXXX, XXXX, and XXXX  for continued reporting and collection of student loan debt that is now legally void following the XXXX order to abolish the XXXX Department of Education. 
XXXX XXXX XXXX Complaint Details : XXXX. Illegal Credit Reporting The credit bureaus continue to report student loans that are now unverified and legally questionable due to the dissolution of the Department of Education. 
XXXX. Failure to Verify Legitimacy of Debt The loan servicer has failed to provide evidence of legal ownership, collection rights, or servicing obligations in light of the agencys abolishment. 
XXXX. Unfair and Deceptive Practices The continued collection of these debts constitutes a violation of my rights under the FCRA ( 15 U.S.C. 1681 ) and FDCPA ( 15 U.S.C. 1692 ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-30 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
I see that you are reporting this collection on my report, but I didn't get a notice to collect or debt validation statement. I need the following information. proof of ownership chain of title, and full account records. You have not provided this and since you can't prove it you SHALL remove this from my credit report. You SHALL prove ownership or stop. A statement is not proof. I request Varification of the accuracy. What was the method that you use?

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Problem with signing the paperwork
Company: HYUNDAI CAPITAL AMERICA
State: TX

Complaint narrative:
I'm filing a dispute regarding an auto loan I received from XXXX XXXX XXXX in XXXX, TX. During the purchase, the dealership representative used my sisters auto insurance policy to finalize financing, despite me not being listed on the policy or authorizing its use. I was not aware that this was being used to complete the deal and I would not have been approved had accurate information been submitted.

Since then, I have experienced financial and emotional distress from making payments on a contract that was built on misrepresentation. My payments were late most times due to hardship, however the lender ( Kia Finance ) reported them as on-time to credit bureaus. This false represented my standing and caused further confusion.

I have also sent formal letters to both the dealership and lender, and am submitting supporting documents with this complaint.

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 2025-04-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX XXXX, XXXX XXXX TransUnion Consumer Relations XXXX. XXXX XXXX XXXX, PA XXXX Subject : Formal Dispute Under 15 U.S.C. 1681i Request for Investigation and Removal of Inaccurate Inquiries Dear TransUnion Dispute Department, I am writing to formally dispute the accuracy of the hard inquiries listed on my credit report under my name, XXXX XXXX XXXX, associated with my Social Security Number and the address listed above. According to the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681i, I request an immediate investigation into the inquiries listed below, as I do not recognize or authorize them : XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( Bank ) - XX/XX/XXXX XXXX. XXXX XXXX ( Bank ) - XX/XX/XXXX These inquiries were not authorized by me, and I am exercising my rights under the FCRA to dispute their validity. Unauthorized or fraudulent inquiries negatively impact my credit score and financial standing. As per 15 U.S.C. 1681i, I request that TransUnion investigate these inquiries and remove any that lack verifiable proof of authorization.

Please provide me with the results of your investigation in writing. If TransUnion can not verify the legitimacy of these inquiries, I expect them to be removed from my credit report immediately. 



I have attached a copy of my identification and proof of address for verification purposes. Please process this dispute promptly and notify me of any updates regarding the resolution. 



Thank you for your prompt attention to this matter. 



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 non-monetary relief