vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-01 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: CA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the Experian credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and 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 said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a 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 2025-10-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Changes in loan terms during the application process
Company: AMERICAN NEIGHBORHOOD MORTGAGE
State: SC

Complaint narrative:
On XX/XX/year> I was contacted by a XXXX XXXX ( loan originator ) for Annie-Mac Mortgage after doing some research for a refinance with cash out. He instructed me to download the Annie-Mac mobile app and to submit a DONOTCALL, which I immediately did. He asked for my husband and my personal information which I uploaded to him on XX/XX/year>. I then received a Disclosure Pkg # XXXX, that included the the Loan Application, the Loan estimate and our credit scores as of XX/XX/year>. The refinance with cash out would be {$240000.00} with cash out of {$26000.00}. On XX/XX/year> I made an appointment for the home appraiser at the request of XXXX XXXX which was completed and downloaded to me signed on XX/XX/year>. On XX/XX/year>, I received the Closing Disclosure which showed my closing date of XX/XX/year> with a disbursement date of XXXX XX/XX/year> our credit scores took a major dip. I understand that with a refinance with cash out your credit scores take a dip TEMPORARILY, but because of this Negligence, Breach of Contract and Uneducated practice, they never had a chance to rebound because the payments were not being made on something that was taken away from us. On XX/XX/year> I was contacted by XXXX XXXX via telephone that the seasoning period had changed on the Conventional mortgage from XXXX  months to XXXX  months, therefore disqualifying me for this loan. On the same day via telephone I was offered a XXXX Home Equity Loan at XXXX % with a monthly payment of {$260.00} just to " hold me over till we can do the Conventional mortgage in XX/XX/year> ''. I sent him an email stating if the laws just changed on the Conventional Mortgage we should be grandfathered in because all my documents were signed and submitted in XX/XX/year>. After a day of not hearing from him, I called to see if he agreed with what I was saying. He was so angry that he said, " I shouldnt even talk to you. '' Like a child, not like a professional. I filed a complaint with the FTC on XX/XX/year>, reference number XXXX, also a complaint with the Texas Attorney Generals office, via website on XX/XX/year>. I still need to file a complaint with the South Carolina Attorney General and the New Jersey attorney General. I am sending a Qualified Written Request ( QWR ) to XXXX XXXX attorney for Annie-Mac Mortgage that I will be sending certified mail on XX/XX/year>. FYI, because of all this financial and emotional stress, I had to cancel important medical tests due to the fact, I can not pay for them

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc.
State: MI

Complaint narrative:
IC SYSTEM INC is falsely reporting on my credit. I have never had any accounts with them. Per my research IC SYSTEM INCis a debt collector. They are falsely reporting on my credit!! Account number is 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 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 2025-10-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: MI

Complaint narrative:
Pursuant to 15 U.S. code 1681b ( 2 ). A consumer reporting agency may only furnish a consumer report with the written instructions of the consumer to who it relates. I declare that I am a Consumer '' did not give any consent or authorization for anyone to furnish, convey or report any of my consumer information. This is abusive practice pursuant to 15 USC 1692 ( a ) as this is damaging my reputation, causing marital instability, to the loss of jobs and the invasion of my individual privacy.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-01 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:
The reported late payments and charge-off accounts are inaccurate, incomplete, and unverifiable. The furnishers have failed to provide original, documented proof that these alleged delinquencies occurred. Without legally required validation, continued reporting of this negative information is a direct violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Reporting unverifiable derogatory information damages my credit standing and reflects negligent and unlawful reporting practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-01 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: 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-01 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: RentDebt Automated Collections, LLC
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ga XXXX XX/XX/year> RENTDEBT AUTOMATED COLLECTION XXXX XXXX XXXX XXXX, TN XXXX Re : Request for Debt Validation Account Number XXXX To Whom It May Concern, I am responding to your phone call regarding the alleged debt with account number XXXX. I am requesting validation of this debt as provided for by the Fair Debt Collection Practices Act, 15 U.S.C. 1692g.

Please provide the following : 1. The amount of the alleged debt, including an itemized statement of fees and interest.

2. The name of the original creditor and documentation proving you have the right to collect on this account. 
3. A copy of the original signed agreement creating the debt.

4. Documentation showing the chain of ownership of the debt ( if it has been sold or transferred ).

5. Proof that your company is licensed to collect debts in my state.

Be advised that until you provide proper validation, you must cease all collection activity and reporting of this alleged debt to credit bureaus. 

If you are unable to provide the requested documentation, you must cease all collection efforts and remove any negative credit reporting related to this account. 

Thank you for your cooperation. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-01 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ga XXXX XX/XX/year> PORTFOLIO RECOVERY XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX Re : Request for Debt Validation Account Number XXXX To Whom It May Concern, I am responding to your phone call regarding the alleged debt with account number XXXX. I am requesting validation of this debt as provided for by the Fair Debt Collection Practices Act, 15 U.S.C. 1692g.

Please provide the following : 1. The amount of the alleged debt, including an itemized statement of fees and interest.

2. The name of the original creditor and documentation proving you have the right to collect on this account.

3. A copy of the original signed agreement creating the debt.

4. Documentation showing the chain of ownership of the debt ( if it has been sold or transferred ).

5. Proof that your company is licensed to collect debts in my state.

Be advised that until you provide proper validation, you must cease all collection activity and reporting of this alleged debt to credit bureaus.

If you are unable to provide the requested documentation, you must cease all collection efforts and remove any negative credit reporting related to this account.

Thank you for your cooperation. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-01 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: OK

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and am requesting their removal.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-01 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: MI

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- 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. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

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 2025-10-01 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:
When I went and disputed fraudulent accounts on my credit report, I never got a proper investigation. These accounts are negatively impacting me by still being on my report. The only thing that I received was a letter stating that I didn't provide enough information for them to do an investigation. I will upload everything that I sent to all three credit bureaus. The fraudulent accounts are : DPT EDXXXX ( {$530.00} ), DPT EDXXXX XXXX {$680.00} ), DPT EDXXXX ( {$1400.00} ), DPT EDXXXX ( {$830.00} ) , DPT EDXXXX ( {$920.00} ), DPT ED/XXXX ( {$540.00} ), XXXX XXXX XXXX XXXX {$740.00} ), XXXX  ( {$3000.00} XXXX XXXX XXXX XXXX  ( {$20000.00} ), XXXX ( {$740.00} ). Inquiries : XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX XXXX 
The credit bureaus violate 15 USC 1681i and 15 USC 1681 ( e ) ( b ) by not looking into my dispute and investigating like they should.

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 2025-10-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
When I went and disputed fraudulent accounts on my credit report, I never got a proper investigation. These accounts are negatively impacting me by still being on my report. The only thing that I received was a letter stating that I didn't provide enough information for them to do an investigation. I will upload everything that I sent to all three credit bureaus. The fraudulent accounts are : DPT EDXXXX ( {$530.00} ), DPT EDXXXX XXXX {$680.00} ), DPT EDXXXX ( {$1400.00} ), DPT EDXXXX ( {$830.00} ) , DPT EDXXXX ( {$920.00} ), DPT ED/XXXX ( {$540.00} ), XXXX XXXX XXXX XXXX {$740.00} ), XXXX  ( {$3000.00} XXXX XXXX XXXX XXXX  ( {$20000.00} ), XXXX ( {$740.00} ). Inquiries : XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX XXXX 
The credit bureaus violate 15 USC 1681i and 15 USC 1681 ( e ) ( b ) by not looking into my dispute and investigating like they should.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-01 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: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: FL

Complaint narrative:
I became aware of a collection account on my credit report that I believe is inaccurate and improperly reported. Upon discovery, I promptly initiated multiple disputes with the collection agency and credit bureaus to request validation of the debt. Despite these repeated efforts, the collection agency has failed to provide the legally required documentation, such as a detailed account statement, proof of debt ownership, or evidence that the debt is valid and mine. 
Instead of a proper response, I have received vague, non-responsive communications that do not address the issues I raised. The account continues to be listed on my credit report with inaccurate balances, dates, and status information, which is misleading and inconsistent with XXXX XXXX compliance standards. 
This failure to substantiate the debt and correct the reporting after multiple dispute attempts violates my consumer rights under the Fair Debt Collection Practices Act ( FDCPA ), the Fair Credit Reporting Act ( FCRA ), and other relevant federal statutes. The continued presence of this unverified collection is adversely affecting my creditworthiness and financial wellbeing.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-01 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: FL

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 XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX 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 TRANSUNION 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 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 2025-10-01 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: AL

Complaint narrative:
Dear Equifax I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act.

The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FRAUDULENT INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-10-01 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: GA

Complaint narrative:
I am writing to dispute the following inaccurate and unverifiable information on my credit report. I have attached copies of document and request letter to support my claim.

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 2025-10-01 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:
b"Fraudulent accounts and inquiries appearing on my consumer file credit report, which I XXXX XXXX XXXX XXXX  do not recognize, This CFPB complaint has been filed to request pursuant to FCRA  605B (15 U.S.C.  1681c-2) that you, the Experion 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. These fraudulent accounts consist of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO 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 US 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