vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-18 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:
Hello, I'm contacting u bc I have a couple of itms I'd like remved from my file. You can review the infrmation I'd like to have remved in the report I've attached. I'm a victim of identity theft, and I certainly didn't place tht order. I'd apprecate it very much if you'd remve those items from my credit report. I have already reported to the Federal Trade Commission, and I've atached a copy of their Identity Theft Affidavit as well. Could u have this accomplished as soon as possible?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-18 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: OH

Complaint narrative:
Hello, I'm contacting u bc I have a couple of itms I'd like remved from my file. You can review the infrmation I'd like to have remved in the report I've attached. I'm a victim of identity theft, and I certainly didn't place tht order. I'd apprecate it very much if you'd remve those items from my credit report. I have already reported to the Federal Trade Commission, and I've atached a copy of their Identity Theft Affidavit as well. Could u have this accomplished as soon as possible?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-18 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: OH

Complaint narrative:
Hello, I'm contacting u bc I have a couple of itms I'd like remved from my file. You can review the infrmation I'd like to have remved in the report I've attached. I'm a victim of identity theft, and I certainly didn't place tht order. I'd apprecate it very much if you'd remve those items from my credit report. I have already reported to the Federal Trade Commission, and I've atached a copy of their Identity Theft Affidavit as well. Could u have this accomplished as soon as possible?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-18 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX XXXX XXXX Identity Theft Affidavit and Request for Permanent Removal of Incorrect Information under 15 U.S.C . 1681c-2 ( FCRA 605B ) Dear Equifax Information Services LLC I am writing to formally request the permanent removal of incorrect information from my credit report pursuant to 15 U.S.C. 1681c-2 ( FCRA 605B ). The information in question resulted from identity theft, and I am providing this affidavit to support my request. 

Enclosed, please find the following supporting documentation : XXXX copy of my credit report XXXX. Copy of my FTC report XXXX XXXX copy of identification I am requesting that you block and remove the fraudulent account and any associated negative information as mandated by law. The accounts in question are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please provide written confirmation that the fraudulent information has been permanently removed from my credit file, as required under FCRA 605B. 

Thank you for your prompt attention to this matter. 

Sincerely,

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-18 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: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
This account is result of identity theft. This account does not belong to me I would like the company Portfolio Recovery to send me the original agreement between me & the grantor or any kind of proof of authenticity of this tradeline on my accounts

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-18 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:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXXXXXX XXXX XXXX XXXX XXXX {$3200.00} XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$240.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$1900.00} XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX {$5100.00} XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$2600.00} XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX {$200.00} XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$850.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$2600.00} XX/XX/XXXX NOT PROVIDED XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$460.00} XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX {$240.00} XX/XX/XXXX INQUIRIES NOT RECOGNIZED XXXX XXXX XXXX XXXX TransUnion , XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion , XXXX XXXX XXXX XXXX XXXX TransUnion, XXXX XXXX XXXX XXXX XXXX TransUnion NAMES XXXX XXXX XXXX XXXX XXXXXXXX, XXXX 15 U.S.C, 1681section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U. S. C, 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-05-18 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:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXXXXXX XXXX XXXX XXXX XXXX {$3200.00} XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$240.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$1900.00} XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX {$5100.00} XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$2600.00} XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX {$200.00} XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$850.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$2600.00} XX/XX/XXXX NOT PROVIDED XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$460.00} XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX {$240.00} XX/XX/XXXX INQUIRIES NOT RECOGNIZED XXXX XXXX XXXX XXXX TransUnion , XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion , XXXX XXXX XXXX XXXX XXXX TransUnion, XXXX XXXX XXXX XXXX XXXX TransUnion NAMES XXXX XXXX XXXX XXXX XXXXXXXX, XXXX 15 U.S.C, 1681section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U. S. C, 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-18 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: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: NC

Complaint narrative:
In accordance with the fair Credit Reporting Act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Columbia debt Recove XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  15 U.S.C . 1681 Section 602 A, State I have the right to privacy.

15 U.S.C.1681 Section 604 A section 2, States a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C. 1681 c. ( a ) ( 5 ) Section States : No consumer reporting agency may make any consumer report containing any of the following items of information : Any other adverse item of information, other than records of convictions and crimes which antedates the report by 7 years.

15 U.S.C. 1681 s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. This provision is part of the Fair Credit Reporting Act ( FCRA ) and outlines the responsibilities of data furnishers to ensure the accuracy of information they provide to consumer reporting agencies, according to legal information institute.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-18 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: CA

Complaint narrative:
I am writing to formally dispute several accounts that are currently being reported on my credit report. I believe these items to be inaccurate, incomplete, or unverifiable. I request a thorough investigation into each of the following accounts under the Fair Credit Reporting Act ( FCRA ) and that any unverifiable or incorrect information be corrected or removed from my credit file.

The accounts in question are as follows : Creditor XXXX XXXX  Account Number : Ending in XXXX Reported As : Collection/Charge Off Dispute Reason : I believe this account is being inaccurately reported and request validation of the debt, including all supporting documentation. 

Creditor : XXXX Account Number : Ending in XXXX Reported As : Unknown Dispute Reason : This item is unclear and lacks proper identification or explanation. I request clarification and supporting documentation for this listing. 

Creditor : XXXX  Account Number : Ending in XXXX Reported As : Collection/Charge Off Dispute Reason : I dispute the accuracy of this account and request a full investigation and proper validation of the debt. 

Creditor : XXXX XXXX  Account Number : Ending in XXXX Reported As : Collection/Charge Off Dispute Reason : I do not believe this debt is accurate. Please provide verification and proper documentation for this account. 

Creditor XXXX XXXX XXXX XXXX  Account Number : Ending in XXXX Reported As : Collection/Charge Off Dispute Reason : I dispute the validity and reporting of this account. Please investigate and provide appropriate validation. 

Creditor : XXXX Account Number : Ending in XXXX Reported As : Collection/Charge Off Dispute Reason : I challenge the accuracy of this reporting and request a complete investigation and documentation supporting this entry. 

Please conduct a reasonable investigation into these accounts. If the information can not be verified, it must be removed from my credit file. I am including a copy of my ID and proof of address to assist with the process. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-18 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:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX fl XXXX SSN XXXX I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 US.C.

1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : ACCOUNT NUMBER ACCOUNT DATE OPENED AND FRAUDULENT INQUIERES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX INQUIERES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX As required by 15 US.C 1681c-2 , please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the burediu reporting these fraudulent accounts in my report and XXXX  has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, so I require you to send me all the documentation to prove that this information is accurate. I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-18 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:
Recently, I did an investigation on my credit report and found several items on there to be inaccurate.

Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency generates a consumer report it must follow reasonable procedures to ensure the maximum possible accuracy of the information related to the individual to whom the report pertains.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, following a reinvestigation under paragraph ( 1 ) of any dispute information by a consumer, an item is determined to be inaccurate, incomplete, or unverifiable, the consumer reporting agency must- ( i ) promptly delete the disputed item from the consumer 's file, or appropriately modify the information based on the reinvestigation results; and ( ii ) promptly inform the furnisher of the information that the item has been modified or deleted from the consumer 's file.

Please remove the following items from my credit report immediately : 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 2025-05-18 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: NY

Complaint narrative:
I am disputing the accuracy of a reported past-due payment on my student loan account with XXXX. I believe this reporting violates my rights under both FERPA ( Family Educational Rights and Privacy Act ) and the Fair Credit Reporting Act ( 15 U.S. Code 1681 et seq. ) for the following reasons : Lack of Access to Account Since XXXX : I have not been able to access my XXXX account since XXXX when I was paying it off. I was not properly notified of changes to login credentials, system transitions, or a new website portal, leaving me unable to manage or view my account or loan status. I was able to create an account XX/XX/XXXX. 
Still Enrolled in School : I am currently enrolled in school and should be under an in-school deferment status, making me ineligible for required payments. This past-due reporting is inaccurate and damaging to my credit. 
Violation of Notification Requirements : I never received any notificationsvia mail, email, or other formal channelsof late payments or delinquency. Proper notice is a required condition before derogatory reporting under the FCRA, and failing to provide notice constitutes a violation. 
Missing Documentation and Legal Authority : I have never received or signed a Master Promissory Note ( MPN ) for this specific loan. 
No documentation or chain of custody for the debt has been provided. 
The loan servicer has not presented legal proof of authority to service or report on this debt, especially amid federal loan servicing restructures.

Violation of FERPA : If my student loan information was transferred or shared without my consent and without proper educational authorization or notification, this could also represent a violation of my educational privacy rights under FERPA.

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 2025-05-18 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: NY

Complaint narrative:
I am disputing the accuracy of a reported past-due payment on my student loan account with XXXX. I believe this reporting violates my rights under both XXXX ( Family Educational Rights and Privacy Act ) and the Fair Credit Reporting Act ( 15 U.S. Code 1681 et seq. ) for the following reasons : Lack of Access to Account Since XXXX : I have not been able to access my XXXX account since XXXX when I was paying it off. I was not properly notified of changes to login credentials, system transitions, or a new website portal, leaving me unable to manage or view my account or loan status. I was able to create an account XX/XX/XXXX. 
Still Enrolled in School : I am currently enrolled in school and should be under an in-school deferment status, making me ineligible for required payments. This past-due reporting is inaccurate and damaging to my credit. 
Violation of Notification Requirements : I never received any notificationsvia mail, email, or other formal channelsof late payments or delinquency. Proper notice is a required condition before derogatory reporting under the FCRA, and failing to provide notice constitutes a violation.

Missing Documentation and Legal Authority : I have never received or signed a Master Promissory Note ( MPN ) for this specific loan.

No documentation or chain of custody for the debt has been provided.

The loan servicer has not presented legal proof of authority to service or report on this debt, especially amid federal loan servicing restructures.

Violation of FERPA : If my student loan information was transferred or shared without my consent and without proper educational authorization or notification, this could also represent a violation of my educational privacy rights under FERPA.

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 2025-05-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I am disputing the accuracy of a reported past-due payment on my student loan account with XXXX. I believe this reporting violates my rights under both FERPA ( Family Educational Rights and Privacy Act ) and the Fair Credit Reporting Act ( 15 U.S. Code 1681 et seq. ) for the following reasons : Lack of Access to Account Since XXXX : I have not been able to access my XXXX account since XXXX when I was paying it off. I was not properly notified of changes to login credentials, system transitions, or a new website portal, leaving me unable to manage or view my account or loan status. I was able to create an account XX/XX/XXXX. 
Still Enrolled in School : I am currently enrolled in school and should be under an in-school deferment status, making me ineligible for required payments. This past-due reporting is inaccurate and damaging to my credit. 
Violation of Notification Requirements : I never received any notificationsvia mail, email, or other formal channelsof late payments or delinquency. Proper notice is a required condition before derogatory reporting under the FCRA, and failing to provide notice constitutes a violation.

Missing Documentation and Legal Authority : I have never received or signed a Master Promissory Note ( MPN ) for this specific loan.

No documentation or chain of custody for the debt has been provided.

The loan servicer has not presented legal proof of authority to service or report on this debt, especially amid federal loan servicing restructures.

Violation of FERPA : If my student loan information was transferred or shared without my consent and without proper educational authorization or notification, this could also represent a violation of my educational privacy rights under FERPA.

Company response to consumer: Closed with non-monetary relief