vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-02 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:
I demand immediate attention to serious inaccuracies on my credit report. Late payments have been reported incorrectly, despite the fact that these accounts have been paid as agreed. This misleading information is adversely affecting my creditworthiness, and I insist that corrections be made without delay. 
I expect a prompt response to rectifytheseissues. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-02 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to Human Trafficking Debt Bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5-1002.142 ( b ) ( 7 ). I kindly request that you delete and block this information from my credit report within four business days pursuant to section 605c of the Fair Credit Reporting Act. I am a victim of human trafficking of debt bondage and would like for all listed accounts to be blocked and deleted from company Transunion. Please delete the following accounts. 

XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-02 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: MD

Complaint narrative:
Dear XXXX, I am writing to file a formal complaint regarding Columbia Debt Recovery LLC , doing business as Genesis Credit Management , and their failure to delete the tradeline associated with the debt related to XXXX XXXX XXXX XXXX XXXX # XXXX ). 

Despite Genesis/Columbia confirming XXXX their response that they are no longer pursuing the debt and have requested the deletion of the tradeline, the debt is still appearing on my XXXX credit report. 

Summary of the Dispute : Account Number : XXXX Amount Reported : {$4900.00} Original Creditor : XXXX XXXX XXXX ( XXXX ) Date Tradeline Was Reported : XX/XX/year> Genesis/Columbia Response XXXX In response to my complaint, Genesis/Columbia confirmed that they are no longer pursuing the debt and have requested the deletion of the tradeline from my credit report. 
However, despite this confirmation, the tradeline remains on my credit report with XXXX, XXXX and XXXX, and my credit rating has been significantly impacted. 
This has resulted in difficulties in securing rental housing for my wife and me, as well as negatively affecting my overall credit. 

Overpayment Issue : In addition, Genesis/Columbia has not addressed the issue of the overpayment. After reviewing the charges, I believe I have overpaid {$2500.00} due to discrepancies in the rent amounts, late fees, and voluntary buyout fees that were incorrectly applied.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-02 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Bonial & Associates, P.C

Complaint narrative:
On XX/XX/XXXX I was contacted by letter dated XX/XX/XXXX which said I owed {$21000.00} to XXXX XXXX XXXX VIA  First Class mail from Attorney XXXX XXXX XXXX XXXX, Bar Card Number : XXXX, XXXX XXXX XXXX, XXXX, Texas License Date : XX/XX/XXXX, Primary Practice Location : XXXX XXXX XXXX, XXXX XXXX, XXXX, Texas XXXX. In his correspondence ( Notice of Default ) dated XX/XX/XXXX, he communicated to me the consumer, engaged in consumer deception, illegally and unethically when he sated in his letter false and misleading representation when he communicate that he and his Law Firm was a Debt Collection Agency attempting to collect a debt, which is prohibited under the Fair Debt Collection Prices Act ( FDCPA ), specifically section XXXX ( XXXX ), which prohibits any false representation. I dispute the alleged allegation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Nelnet, Inc.
State: CO

Complaint narrative:
I am writing to formally dispute the 90-day late payment that was reported to the credit bureaus for my account in XX/XX/year>. This negative mark has caused a serious impact to my credit score and appears to have been reported in error.

I have been continuously enrolled at XXXXXXXX XXXXXXXX XXXX XXXX XXXXXXXX since XX/XX/year>, and I recently received an email from Nelnet confirming that you were notified of my in-school enrollment status. Based on this, my loan should have been placed into in-school deferment or grace status, and no payment should have been due during the time in question. 

Given this, I respectfully request that you retroactively update my account to reflect my in-school status for the affected period and remove the XXXX late payment from my credit history. Enclosed is proof of my enrollment for your review. 

This situation qualifies as a reporting error under the Fair Credit Reporting Act, and I kindly ask that this be corrected as soon as possible. Please confirm when the late mark has been removed and that all three major credit bureaus ( XXXX, XXXX, and XXXX ) have been updated accordingly. 

Thank you in advance for your time and prompt attention to this matter. Please let me know if you need any additional documentation or verification from my school. 

Sincerely, XXXX XXXX Account Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-02 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: MD

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. 

XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX List of Unauthorized Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 15 U.S.C 1681 section 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 a 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 to any 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 2025-04-02 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: TX

Complaint narrative:
I recently disputed these items listed and I don't believe a proper investigation was done. They did not provide proof I requested to verify the account, nor used the documents I provided as proof of these items don't belong to me. According to the FCRA, Section 609 ( a ) ( 1 ) ( A ), your company is required by federal law to verify through the physical verification of the original signed certified consumer contract - of all accounts you request to be posted and or reported on a credit report. These accounts should 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 2025-04-02 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: TX

Complaint narrative:
I recently disputed these items listed and I don't believe a proper investigation was done. They did not provide proof I requested to verify the account, nor used the documents I provided as proof of these items don't belong to me. According to the FCRA, Section 609 ( a ) ( 1 ) ( A ), your company is required by federal law to verify through the physical verification of the original signed certified consumer contract - of all accounts you request to be posted and or reported on a credit report. These accounts should be deleted immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-02 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:
To Whom It May Concern, I am writing to formally dispute and demand the immediate removal of the following fraudulent accounts and inquiries from my credit report due to identity theft. These accounts were opened without my consent, and I am invoking my rights under the Fair Credit Reporting Act ( FCRA ) to have these items promptly removed. I am also writing to formally notify you that I am a victim of identity theft and request the immediate blocking and deletion of all fraudulent accounts or information related to identity theft, as authorized by 15 U.S.C 1681c-2 ( a ). I became aware of the breach of my personal information through Equifax Data breach, which has exposed my sensitive Data to unauthorized accounts and inquiries have been identified as a result of this breach. 
Accounts XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-04-02 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: CT

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-02 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:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

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

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-02 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:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-02 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: IL

Complaint narrative:
Date : XX/XX/year> Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX In accordance with the fair credit reporting act. The list of accounts below has violated my federally protected consumers rights to privacy and confidentiality under 15 U.S.C 1661. 



Account Name XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX U.S.C 1681 section 602 A States I have the rights to privacy.

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

15 U.S.C 1681c ( A ) ( 5 ) No Consumer reporting agency may make a
ny consumer reporting containing any of the following item 's information and any other adverse item of information, other than records of convictions of crimes which antedates the reporting by 7 years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumers 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 2025-04-02 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: IL

Complaint narrative:
Date : XX/XX/year> Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX In accordance with the fair credit reporting act. The list of accounts below has violated my federally protected consumers rights to privacy and confidentiality under 15 U.S.C 1661. 



Account Name XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX U.S.C 1681 section 602 A States I have the rights to privacy.

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

15 U.S.C 1681c ( A ) ( 5 ) No Consumer reporting agency may make a
ny consumer reporting containing any of the following item 's information and any other adverse item of information, other than records of convictions of crimes which antedates the reporting by 7 years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumers 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 2025-04-02 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: ENOVA INTERNATIONAL, INC.
State: FL

Complaint narrative:
The monthly payment is the same amount as the fees- so I am not able to get ahead of the payment. I have been making regular payments but till owe the same amount because the fees and interest are so high.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-02 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: National Credit Adjusters, LLC
State: TX

Complaint narrative:
Collection agency is currently reporting a closed account as an open collection with past due balance of {$25.00} to the credit reporting agencies. This is inaccurate as the collection agency agreed to one-time settlement payment where XXXX percent of the balance was paid in exchange for account closure and no further collection activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Chime Financial Inc
State: CA

Complaint narrative:
I opened a Chime Checking account on XX/XX/year>. However, on XXXX XXXX XXXX XXXXXXXX, they sent me an email with the following information : Account Closure Notification Hi XXXX XXXX Following a recent review of your Chime Checking Account opened on XX/XX/year>, we regret to inform you that we have closed your Chime Account ( s ).

Since your Checking Account is closed, if applicable, your linked Chime Savings and/or Chime Credit Builder Account ( s ) will also be closed per terms of the respective Account Agreements. 
If you have direct deposits, ACH Debits, or recurring card payments, please notify the originators immediately to avoid disruption with your future deposits or payments. Direct deposits, ACH debits, and recurring card payments may be rejected after XX/XX/year>. 
If you have any questions or need assistance, please reach out to our member support team at ( XXXX ) XXXX. 

I have {$600.00} in my checking account. However, when I called them, they refused to give me any money back. It is actual stealing my money. For this account after opening, I only deposit XXXX times with my check from my company, nothing happened except for that. I don't understand why they close my account for no reason and steal my money.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-02 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-02 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 writing you about the compromising of my social security number due to the XXXX Data breach. I believe I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint # XXXX. I also included a signed and notarized copy of my Affidavit of Facts and Truth. The information listed below, which appears on my credit report, does not relate to any transactions that I have ever made or accounts I have opened. It is the result of identity theft. 
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX. The inquiry was not authorized XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX XXXX. The inquiry was not authorized XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX. The inquiry was not authorized XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX XXXX. The inquiry was not authorized XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX. 
XXXXXXXX XXXX XXXX  Account Number : XXXX XXXX. 
XXXXXXXX XXXX XXXX  Account Number : XXXX XXXX. 
XXXX XXXX XXXX Account Number : XXXX XXXX. 
XXXX XXXX XXXX Account Number : XXXX XXXX. 
XXXX XXXX XXXX Account Number : XXXX XXXX. 
XXXX XXXX Account XXXX : XXXX XXXX. 
XXXX XXXX XXXX XXXX Account Number : 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