vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-10 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:
I have no affiliation with these creditors and did not authorize this inquiry. Please promptly remove it from my credit report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-10 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: SC

Complaint narrative:
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. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX SC XXXX ACCOUNTSXX/XX/XXXX- Account Number : XXXXXX/XX/XXXX Date Opened : XX/XX/XXXX, Balance : {$69.00} INQUIRIES : XX/XX/XXXXDate : XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-10 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:
I have no affiliation with these creditors and did not authorize this inquiry. Please promptly remove it from my credit report

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 2025-06-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Security Credit Services, LLC
State: NY

Complaint narrative:
Dont know this company never do business with this company

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-10 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
RE : Unauthorized Inquiries on My Credit Report To Whom It May Concern, I am writing to formally dispute several unauthorized credit inquiries that have appeared on my Experian credit report. Under the Fair Credit Reporting Act ( FCRA ), I am requesting that you investigate and remove the following inquiries, which I did not authorize and have no knowledge 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 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 I did not authorize these inquiries and I am concerned about potential fraud or misrepresentation. Please conduct a thorough investigation, and if these inquiries were made without a permissible purpose, I request that they be removed immediately from my credit report. 

Enclosed are copies of my ID and a utility bill to verify my identity and address. 

Thank you for your prompt attention to 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 2025-06-10 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: VA

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-10 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: GA

Complaint narrative:
I am submitting this complaint against XXXX  XXXX XXXX XXXX XXXX for unlawfully reporting an alleged bankruptcy on my consumer report without providing proper notice or ensuring the accuracy and completeness of the information. 



Violations and Concerns : 1. No Opt-Out Disclosure Provided ( 17 CFR 248.124 ) XXXX  reported a bankruptcy on my credit file without notifying me of my right to opt out of having this information shared or reported. Under 17 CFR 248.124 Reasonable opportunity to opt out, I am entitled to be given a clear and reasonable opportunity to prevent this sensitive financial data from being disclosed. This right was denied, which is a direct violation of federal regulation and my consumer privacy rights. 
2. Incomplete and Unverifiable Bankruptcy Information The alleged bankruptcy reported does not include complete identifying information, such as accurate court details or full case numbers, which are essential for verifying its legitimacy. According to the Fair Credit Reporting Act ( FCRA ), XXXX  is obligated under 15 U.S.C. 1681e ( b ) to follow reasonable procedures to ensure maximum possible accuracy of the information it reports. In this case, the failure to include full data renders the bankruptcy inaccurate and unverifiable.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-10 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: NY

Complaint narrative:
I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.

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 2025-06-10 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: GA

Complaint narrative:
I have already submitted a complaint regarding a {$10.00} transaction I sent to my grandson. Its clear that this transaction is pending. My grandson isnt old enough to do what they demanded to be done and if so his parents arent going to supply them with the information needed. All in all Cashapp needs them to open an account and this is just ridiculous, unfair and causing my mental to be disturbed. Cashapp reached out to me with a message and Im taking it a certain way like whatever Im not getting my money back. I will submit an attachment along with proof the transaction is pending.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-10 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: CA

Complaint narrative:
My credit reports reflect that I owe money to Colombia Debt/Genesis Credit ; however, I want to clarify that I do not owe any such debt.

I have a valid court document, given to me by the court, proving I do not owe any past due rent.

For the past three months, I have attempted to contact the debt collector company multiple times to resolve this issue and request the removal of this erroneous report from my credit file. Despite my efforts, I have not received any satisfactory response or resolution regarding this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-10 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: NC

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-10 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: NY

Complaint narrative:
I discovered incorrect accounts on my credit report, and I have no idea how they got there. I regularly check my report, but this time, unexpected discrepancies appeared. I even tried refreshing my browser, thinking it might be a glitch, but the errors remained. Since this issue persists, I request a thorough review of the documents Ive submitted so that I wont have to worry about this problem again.

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 2025-06-10 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
On XX/XX/year>, I requested from all credit reporting agencies to update my name and address on file. I found several variations of my name and also addresses I have never been associated with.

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 2025-06-10 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: GA

Complaint narrative:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries. 

Account name : XXXX XXXX Account number : 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 2025-06-10 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: IL

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-10 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: GA

Complaint narrative:
15 USC 1681c-2 This is a formal statement regarding fraudulent activity found on my credit report. I never gave consent to any of the listed items. Block and remove all entries mentioned in the FTC report and attached PDF. They are to be deleted immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
In XXXX of XXXX, I contacted Experian to request the removal of outdated information from my credit report. Recently, I obtained my Experian credit report through Annual Credit Report, and I discovered that information which I was previously informed had been removed by Experian has now reappeared. I was provided with confirmation code # XXXX. 

I am formally filing a complaint against Experian for the breach of trust and for the reappearance of outdated information on my credit report. The information currently reflected on my report is inaccurate and includes old addresses, employment details, and my previous name. 

I request that all such outdated or incorrect information be immediately removed from my credit file, as it no longer reflects my current status and is negatively affecting my creditworthiness. 

Legal Basis for Dispute and Correction My rights to dispute and request the correction of inaccurate, incomplete, or obsolete information are protected under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. Specifically : Section 1681i ( a ) : Requires credit reporting agencies, including Experian, to conduct a reasonable reinvestigation of disputed information within 30 days of receiving notice of a dispute. During this process, all outdated, inaccurate, or incomplete information must be verified or removed.

Section 1681c ( a ) : Mandates that consumers have the right to dispute any information on their credit report that is incorrect or obsolete, and to have such information corrected or deleted, especially if it is not verified or is no longer relevant.

Section 1681i ( a ) ( 5 ) ( A ) : States that if the information can not be verified, or if it is found to be inaccurate, incomplete, or obsolete, the credit reporting agency must promptly delete or remove the disputed information.

Key Issues and Violations Old Addresses : My credit report still reflects previous addresses that I have explicitly requested to be removed on multiple occasions. These addresses are no longer valid and should not be included under 15 U.S.C. 1681c.

Employment Information : Similarly, outdated employer details are listed that I have notified the agency to update or remove. Maintaining obsolete employment information violates my rights under the FCRA.

Previous Name : My former name appears on my credit report, despite my request to update this information following a name change. The continued inclusion of outdated personal identifiers is a violation of the FCRA and impedes my ability to establish accurate credit files.

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 2025-06-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Account reinstatement or redemption after repossession
Company: SAN DIEGO COUNTY CREDIT UNION
State: CA

Complaint narrative:
On XX/XX/year>, I spoke with a representative from San Diego Credit Union regarding the reason for my late payment. I explained that I had experienced unexpected financial hardship, which caused the delay, but assured her that I would be back on track and caught up by the end of the month or shortly thereafter. She stated that as long as I could pay {$400.00} within two to three weeks, everything would be fine. I acknowledged this and expressed my intent to meet that goal to the best of my ability. 

Within a week, I made three partial payments, which San Diego Credit Union accepted and withdrew from my bank account, totaling {$220.00}. However, on XX/XX/year>, at approximately XXXXXXXX XXXX a tow truck arrived and hooked up my car, stating that they were there on behalf of San Diego Credit Union to repossess the vehicle. 

I immediately called the credit union and informed a representative that the tow truck was at my location per their instructions. She asked if the vehicle was already hooked up, and when I confirmed that it was, she stated that there was nothing she could do. I requested to speak with a manager, but she informed me that the manager would say the same thing and would not be available for me to leave a message. She then transferred me to voicemail, where I left a message requesting a call back. 

The following day, Friday, XX/XX/year>, I had not received any response. As of Monday, XX/XX/year>, I still have not been contacted.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-10 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: CA

Complaint narrative:
Important information : This is an escalation/follow-up I am requesting enforcement under FCRA Section 611 I already gave the company more than 45 days and they failed to verify the item Complaint # XXXX originally filed on XX/XX/year>. I am resubmitting due to failure to respond within the FCRAs legally required time period. Please see the attached demand for deletion

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-10 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:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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 2025-06-10 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: GA

Complaint narrative:
15 USC 1681c-2 This is a formal statement regarding fraudulent activity found on my credit report. I never gave consent to any of the listed items. Block and remove all entries mentioned in the FTC report and attached PDF. They are to be deleted immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-10 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: Resurgent Capital Services L.P.
State: WV

Complaint narrative:
On XXXXXXXX  I sent certified letter to XXXX XXXX  requesting purchase agreement to prove the legality of a bad debt they supposedly own that aint mine they refuse to send anything fraud and identity theft no contract exists with pyod and myself

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-10 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: VA

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.

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 2025-06-10 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: VA

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-10 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: TX

Complaint narrative:
They put this account in collections and I dont recognize it. It wasnt me and they have me confused with someone else. Its keeping me from doing anything with my credit and I want it taken off immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: GA

Complaint narrative:
I submitted a certified debt validation request to USAA on XX/XX/2025, regarding an alleged XXXXXXXX XXXX account. USAA received the request on XX/XX/2025, but has not provided proper documentation to validate the debt. 

Instead of providing a signed contract, complete account history, or proof of lawful authority to collect or report the debt, USAA provided no actual documentation that does not meet validation requirements under the FDCPA, TILA, or UCC.

Despite this, USAA continues to report the account to the credit bureaus and accrue interest and charges. This behavior violates consumer protection standards and poses a potential risk to my credit profile. 

I am requesting that the CFPB investigate and require USAA to either fully validate the debt or cease all reporting and collection activity related to this account.

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