vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
To whom it may concern, I am writing to formally dispute the accounts reported on my consumer credit report, which are attributed to potential fraud or potential unauthorized activity, as indicated in the reference below : FCRA Section 604. I kindly request verifiable evidence bearing my signature/electronic signature. Please review this letter meticulously as it is submitted on my behalf. I have not authorized such actions, potentially constituting a violation of my consumer rights under the Fair Credit Reporting Act Section 604. I have previously contacted the relevant companies and have determined that these actions may have been undertaken without appropriate validation or original documentation from any of the reporting entities. Your prompt attention to this matter is greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-15 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:
This letter is to follow up my formal second request for reinvestigation of inaccurate and unverifiable information on my credit report, as permitted under the Fair Credit Reporting Act ( FCRA ) Section 611 ( 15 U.S.C. 1681i ).

Despite my previous dispute, the following items remain on my report without sufficient verification or correction. I request that you either provide proper verification from the data furnishers or delete the information from my file immediately. 
Items in Question : XXXX XXXX  XXXX XXXX {$3500.00} XXXX XXXX XXXX {$1800.00} XXXX XXXX  & XXXX  ( Original creditor : XXXX XXXX XXXX XXXXXXXX XXXX ) XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, TX, XXXX XXXX XXXX XXXX XXXX, XXXX, TX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX, XXXX XXXX  XX/XX/year>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 2025-09-15 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:
This letter is to follow up my formal second request for reinvestigation of inaccurate and unverifiable information on my credit report, as permitted under the Fair Credit Reporting Act ( FCRA ) Section 611 ( 15 U.S.C. 1681i ).

Despite my previous dispute, the following items remain on my report without sufficient verification or correction. I request that you either provide proper verification from the data furnishers or delete the information from my file immediately. 
Items in Question : XXXX XXXX  XXXX XXXX {$3500.00} XXXX XXXX XXXX {$1800.00} XXXX XXXX  & XXXX  ( Original creditor : XXXX XXXX XXXX XXXXXXXX XXXX ) XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, TX, XXXX XXXX XXXX XXXX XXXX, XXXX, TX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX, XXXX XXXX  XX/XX/year>XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am formally requesting the removal of the referenced accounts, which were not opened by me. As they appear fraudulent, I request both deletion and investigation. Proof is enclosed.

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 2025-09-15 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: NV

Complaint narrative:
Criminal fraudsters have used my stolen personal information to establish numerous accounts that now appear on my credit file, creating a nightmare scenario that has completely disrupted my financial life. These unauthorized accounts were opened without my knowledge, consent, or participation, and I have never conducted any business with these creditors or received any benefits from these fraudulent arrangements. The financial damage extends beyond my credit score, as I have been denied for apartment rentals, forced to pay higher insurance premiums, and even faced employment challenges due to background checks revealing these false accounts. My family has suffered tremendously as we've been unable to secure adequate housing or obtain necessary financing for basic needs, all because of crimes committed by identity thieves.

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 2025-09-15 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:
Please see the attached file. I am addressing the issue of noncompliance regarding my consumer report. Items have been included without my authorization, which is a violation of my privacy.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-15 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
please update these unauthorized charges on my account

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-15 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: LEXISNEXIS
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. 15 U.S.C. 1681, section 602 ( A ), states that I have the right to privacy. 15 U.S.C. 1681, section 604 ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction. 15 U.S.C. 1681 c ( a ) ( 5 ), section states : No consumer reporting agency may include in any consumer report any 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 ) states : 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 informationisinaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Please remove the fraudulent and suspicious accounts from my credit report, as outlined in the attached documents.

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 2025-09-15 00:00:00
Product: Debt collection — Rental debt
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: GA

Complaint narrative:
I am disputing a rental debt reported by Columbia Debt Recovery/Genesis on behalf of XXXX XXXX XXXX XXXX XXXX I moved out of XXXX XXXX XXXX in XXXX  and relocated to XXXX XXXX in XXXX, GA. 

The apartment later informed me that my name was never properly removed from the lease. Instead, they transferred my name to a new lease without my knowledge or consent. I was not living there and had no agreement to continue as a tenant. 

Despite this, I am being pursued for more than {$25000.00}. This debt is inaccurate, and I should not be held responsible for obligations after my move-out. 

I request validation of this debt and removal of this incorrect reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-15 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:
Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax 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 an unauthorized address being reported on my consumer credit file, as well as multiple fraudulent hard inquiries that I did not authorize or initiate. 

Fraudulent Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I do not recognize the aforementioned address or inquiries as belonging to me. The aforementioned address and inquiries appearing on my consumer credit report maintained by you were not provided, authorized, or initiated by me. All of the aforementioned entries are the result of identity theft and fraud. 



FTC Identity Theft Report # : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-15 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: CA

Complaint narrative:
I am a victim of identity theft, and there is an account being reported under the name XXXXXXXX XXXX XXXX XXXXXXXX on my credit report that I did not open, authorize, or apply for. This account was fraudulently established using my personal identifying information without my knowledge or consent. I have never had any relationship or communication with XXXX XXXX XXXX XXXX, nor have I applied for a loan, deferment, or student financial product with them. Under the Fair Credit Reporting Act ( FCRA ) 1681c-2, I have the legal right to request the blocking of any information resulting from identity theft on my credit report. I have already notified the credit reporting agencies of this fraud and provided proper identification and evidence, including a copy of my FTC Identity Theft Report ( or police report, if applicable ). Despite this, the XXXX XXXX XXXX XXXX account remains on my credit file. I am requesting the assistance of the CFPB in compelling the credit reporting agencies and/or XXXX XXXX XXXX XXXX to immediately and permanently remove this fraudulent account and provide written confirmation of its deletion. This fraudulent entry is negatively impacting my creditworthiness, and I am seeking only a fair and lawful resolution : removal of the inaccurate data and restoration of the integrity of my consumer file.

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 2025-09-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
This letter is a formal dispute regarding the accounts in question. I am not associated with them and believe they are fraudulent. I request their prompt deletion and a detailed review. Documentation is attached.

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 2025-09-15 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:
My credit report has several negative accounts that are 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 2025-09-15 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: GA

Complaint narrative:
My credit report has several negative accounts that are inaccurate

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-15 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Credit International Corporation
State: FL

Complaint narrative:
We received a letter from Credit International Corporation in XXXX, WA. 
XXXX XXXX XXXX XXXXXXXX, WA XXXX saying that we owe XXXX XXXX XXXX exactly {$12.00}, XXXX. 
We have never had an account with XXXX at any time ever. 
They are saying that if we do not resolve this debt, they will sue us in XXXX  Superior Court in XXXX XXXX XXXX. 
They put their website on the letter- XXXX They put the following on there as well : XXXX XXXX XXXX XXXX Credit International Corporation XXXX : XXXX XXXX : XXXX I called XXXX and they said that they never call customers for debt and they definitely do not send letters. We also, have NEVER had an account with XXXX at all. 

Please let us know the next step.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
b'These false accounts must be deleted within 15 days according to USC 1681g.'

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
On XX/XX/XXXX, I purchased two XXXX XXXX products from XXXX. XXXX delivered them to the wrong address, but I managed to locate the package myself and contacted XXXX. XXXX promised me that I could keep the items and receive refund as an apology. When I opened the package, I found that the products were near expiration. I contacted XXXX again, and they agreed to send me replacements. However, the second shipment also contained near-expiration products. Because their customer service was polite and I had not been charged, I decided not to pursue the issue further, although I did not use the near expiration products. 
On XX/XX/XXXX, I discovered that my AMEX credit card had been charged twice by XXXX, {$26.00} each, without my authorization. I immediately contacted XXXX, and they promised me a refund. By XX/XX/XXXX, only one {$26.00} refund was returned to my credit card. I contacted XXXX two more times, and each time they again promised a refund, but I never received it. 
I then contacted AMEX to dispute the missing {$26.00} charge because XXXX had repeatedly promised me a refund but failed to return the money. On XX/XX/XXXX, AMEX confirmed that a dispute case had been opened. I uploaded detailed chat records immediately showing XXXX  clear promise to refund me as an apology for their mistake. These records included multiple confirmations from XXXX representatives. 
However, on XX/XX/XXXX, AMEX hastily closed my case and determined that my dispute was not valid. I was not given a clear explanation, and it seemed the case was concluded without properly reviewing the detailed evidence I had submitted. I believe the decision was rushed and did not reflect the facts I provided. 
I am extremely frustrated and confused by AMEXs  handling of this matter. XXXX explicitly promised me refunds multiple times, and I provided AMEX  with proof of those promises. By closing the case without explanation, AMEX failed to protect me as a consumer and left me unfairly responsible for a charge that XXXX itself admitted should be refunded. I strongly believe that AMEX should have honored the evidence I submitted and pursued the refund on my behalf.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-09-15 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Cashing a check
Company: TD BANK US HOLDING COMPANY
State: ME

Complaint narrative:
On XX/XX/XXXX I deposited a check to my TD bank checking account for the amount of {$990.00} from the XXXXXXXX XXXX XXXX XXXXXXXX XXXX. The check was in the name of my step mother. She had signed the check over to me and then the check was signed by me in order to deposit it mobile. After depositing the check I realized on the next day my banking app was inaccessible, I contacted the TD bank XXXX customer service hotline and they informed me that I needed to contact a local branch. I contacted the Td Bank in my town and spoke to the Branch manager who assured me he could see where the {$990.00} was in my account and that he could handle it and started the process. He contacted the investigation team who had closed my account and he told them to re-credit the issuer of the check the funds that were in my account. He said on XX/XX/XXXX that it was issued back to the creditor but refused to provide me with a case id or anything to assist with locating or following up on the funds. I contacted the XXXX  XXXX XXXX services along with my step mom on a weekly basis since XX/XX/XXXX and they have yet to receive any funds from any Td bank for any money. When I contacted him after for further updates he told his employees verbatim that he declined to speak to me. This have left me in emotional distress as my step mom needs her money $ XXXX is not easy money and there has been no sense of urgency or resolution at all with Td bank.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-09-15 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Longbridge Financial, LLC
State: CA

Complaint narrative:
CFPB Complaint- Longbridge Financial This was my third attempt to obtain a one-time authentication code for my reverse mortgage account with Longbridge Financial to access the customer portal at XXXX 
Timeline of Service Failures : XX/XX/year> : XXXX previous failed attempts to resolve this issue Today 's call : Started at XXXX XXXX XXXX with agent in XXXX who could not resolve the issue XXXX XXXX XXXX : Escalated to supervisor " XXXX '' in XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX placed me on hold for XXXX minutes, claiming she would escalate to IT department XXXXXXXX XXXX XXXX  : XXXX never returned to the call, abandoning me after XXXX minutes Technical Issue : The authentication system at auth.reversedepartment.com accepts my email and password but fails to send the required one-time code to either my email or mobile phone. This completely prevents me from accessing my reverse mortgage account and funds. 
Impact : I can not access my own reverse mortgage funds due to Longbridge Financial 's broken authentication system and inadequate customer service. Multiple service representatives have been unable to resolve this basic technical issue over several months.

Resolution Requested : Immediate fix of the authentication system and access to my account, plus investigation into the systemic customer service failures.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-15 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: WI

Complaint narrative:
This letter serves as my SECOND FORMAL DISPUTE regarding the inaccurate and unverified collection account being reported by XXXX under account number XXXX ( or similar variation ) with a balance of {$97.00}. 
Despite my initial dispute, you have failed to provide any legally sufficient verification or documentation to support the continued reporting of this debt. As such, this account is now being formally disputed again and must be deleted immediately under your obligations as outlined in the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 
Collection Account in Dispute : XXXX XXXXXXXX XXXX XXXX Balance Owed : {$97.00} - Account not properly validated or verified under FCRA/FDCPA. Reporting is incomplete and 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 non-monetary relief