vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-24 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: GA

Complaint narrative:
In XXXX XXXX XXXX, I settled a debt through the court system for a specific agreed-upon amount. The judgment or settlement confirmed the final balance to be {$5400.00}. I have documentation showing the court-approved settlement and my compliance with that amount. 
Recently, I was contacted by a debt collection agency that now claims I owe approximately {$3500.00} more than the amount that was legally settled. This inflated balance is inaccurate and does not reflect the courts ruling. 
As a result of this inaccurate reporting, I have been denied multiple apartment applications. This debt is the sole reason for the denials, and it is directly impacting my ability to secure stable housing. 
I have not received a clear explanation from the collection agency about why this additional amount is being reported. I am concerned this may continue to negatively impact my credit and living situation despite my full compliance with the court-approved settlement. 
I am requesting a full investigation into this discrepancy, immediate removal of the reported amount, and confirmation that the collection agency ceases any attempts to collect. 
Additionally, I request that all inaccurate reporting be removed across all credit bureaus, and that I receive written confirmation that the balance is fully resolved and closed. Due to the impact this has had on my ability to obtain housing, I also reserve the right to seek further remedy for any harm caused by the continued inaccurate reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-24 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: FL

Complaint narrative:
I am writing to formally request the removal of a fraudulent credit inquiry from my credit report. Upon reviewing my credit report, I identified an inquiry that was not authorized by me and appears to be the result of fraudulent activity. Under the Fair Credit Reporting Act ( FCRA ), Specifically, Section 604 ( a ), a credit inquiry can only be made with my explicit consent or as part of a transaction or application that I initiated. Since this inquiry does not meet these criteria, it is clear that it was made without my authorization and is therefore fraudulent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-24 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 am sending to formally dispute the inaccurate and incomplete reporting on my credit report. Under the provisions of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), I request an immediate investigation and correction of the following items. 

XXXX XXXX XXXXXXXX balanced {$180.00} XXXX XXXXXXXX XXXX balanced {$3000.00} XXXX XX/XX/year>

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-24 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: IL

Complaint narrative:
I am writing to formally dispute the inaccurate information reflected on my credit report. The information appears to violate my rights under the Fair Credit Reporting Act ( FCRA ) and should be removed or corrected promptly. The FCRA mandates that only accurate, complete, and verifiable information be included in credit reports ( 15 U.S.C. 1681e ( b ) ).

1. Incorrect Accounts Several accounts listed on my credit report appear to be inaccurate, incomplete, or outdated. Under FCRA Section 1681i ( a ) ( 1 ), I am entitled to dispute information that I believe to be inaccurate, and the credit reporting agency is required to investigate the disputed information within 30 days. I have reason to believe that the following accounts do not belong to me, contain incorrect data, or should no longer be listed due to age or resolution : 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 : {$520.00} - Account # : XXXX As required under the FCRA, I request that these accounts be thoroughly investigated and either updated or removed from my credit report if found to be inaccurate. 

XXXX. Unwarranted Inquiries I also dispute the following credit inquiries listed on my report. Under FCRA Section 1681b ( c ), credit inquiries must be made with my permission or under circumstances where I have applied for credit. If these inquiries were not authorized by me or do not meet the requirements for a legitimate credit inquiry, they should be removed from my report : 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 XXXXXXXX Please consider this my formal request for an investigation under the FCRA. If the items mentioned above are not removed or corrected, I will seek further action, including filing complaints with the CFPB and taking legal steps to enforce my rights under the law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-24 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: GA

Complaint narrative:
I am formally disputing the unauthorized use of my Social Security number in the creation of the accounts listed above. Under 15 U.S.C. XXXX ( XXXX  ), my SSN is legally classified as a form of credit access, similar to a credit card, meaning it serves as a means of identification and access to credit. 

My SSN was used without informed consent to open financial accounts and possibly for the creation of securities or bundled financial instruments from which the institutions profited. Despite the closure of these accounts, I the consumer received no insurance, compensation, or benefits. 

This constitutes a direct violation of my consumer rights and breaches 15 U.S.C. XXXXe, which prohibits deceptive or misleading use of information in collection or reporting practices. It also meets the legal standards of identity theft and fraud due to the exploitation of my personal data for institutional benefit without my explicit authorization. I demand these account be removed and blocked from my consumer report. 

Demand for Resolution I am requesting : Full deletion of the listed items Removal of inaccurate addresses and inquiries Verification of any use of my SSN for financial gain Written confirmation of the completed investigation Thank you for your attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-24 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 formally disputing the unauthorized use of my Social Security number in the creation of the accounts listed above. Under 15 U.S.C. XXXX ( XXXX  ), my SSN is legally classified as a form of credit access, similar to a credit card, meaning it serves as a means of identification and access to credit. 

My SSN was used without informed consent to open financial accounts and possibly for the creation of securities or bundled financial instruments from which the institutions profited. Despite the closure of these accounts, I the consumer received no insurance, compensation, or benefits. 

This constitutes a direct violation of my consumer rights and breaches 15 U.S.C. XXXXe, which prohibits deceptive or misleading use of information in collection or reporting practices. It also meets the legal standards of identity theft and fraud due to the exploitation of my personal data for institutional benefit without my explicit authorization. I demand these account be removed and blocked from my consumer report. 

Demand for Resolution I am requesting : Full deletion of the listed items Removal of inaccurate addresses and inquiries Verification of any use of my SSN for financial gain Written confirmation of the completed investigation Thank you for your 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 2025-05-24 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: IL

Complaint narrative:
I am writing to formally dispute the inaccurate information reflected on my credit report. The information appears to violate my rights under the Fair Credit Reporting Act ( FCRA ) and should be removed or corrected promptly. The FCRA mandates that only accurate, complete, and verifiable information be included in credit reports ( 15 U.S.C. 1681e ( b ) ).

1. Incorrect Accounts Several accounts listed on my credit report appear to be inaccurate, incomplete, or outdated. Under FCRA Section 1681i ( a ) ( 1 ), I am entitled to dispute information that I believe to be inaccurate, and the credit reporting agency is required to investigate the disputed information within 30 days. I have reason to believe that the following accounts do not belong to me, contain incorrect data, or should no longer be listed due to age or resolution : XXXX XXXX - Balance : {$350.00} - Account XXXX XXXX XXXX XXXX XXXX XXXX - Balance : {$2600.00} - Account XXXX XXXX XXXXXXXX As required under the FCRA, I request that these accounts be thoroughly investigated and either updated or removed from my credit report if found to be inaccurate. 

2. Unwarranted Inquiries I also dispute the following credit inquiries listed on my report. Under FCRA Section 1681b ( c ), credit inquiries must be made with my permission or under circumstances where I have applied for credit. If these inquiries were not authorized by me or do not meet the requirements for a legitimate credit inquiry, they should be removed from my report : XXXX, XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Please consider this my formal request for an investigation under the FCRA. If the items mentioned above are not removed or corrected, I will seek further action, including filing complaints with the CFPB and taking legal steps to enforce my rights under the law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-24 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 am writing to formally dispute the inaccurate information reflected on my credit report. The information appears to violate my rights under the Fair Credit Reporting Act ( FCRA ) and should be removed or corrected promptly. The FCRA mandates that only accurate, complete, and verifiable information be included in credit reports ( 15 U.S.C. 1681e ( b ) ).

1. Incorrect Accounts Several accounts listed on my credit report appear to be inaccurate, incomplete, or outdated. Under FCRA Section 1681i ( a ) ( 1 ), I am entitled to dispute information that I believe to be inaccurate, and the credit reporting agency is required to investigate the disputed information within 30 days. I have reason to believe that the following accounts do not belong to me, contain incorrect data, or should no longer be listed due to age or resolution : XXXX XXXX - Balance : {$350.00} - Account XXXX XXXX XXXX XXXX XXXX XXXX - Balance : {$2600.00} - Account XXXX XXXX XXXXXXXX As required under the FCRA, I request that these accounts be thoroughly investigated and either updated or removed from my credit report if found to be inaccurate. 

2. Unwarranted Inquiries I also dispute the following credit inquiries listed on my report. Under FCRA Section 1681b ( c ), credit inquiries must be made with my permission or under circumstances where I have applied for credit. If these inquiries were not authorized by me or do not meet the requirements for a legitimate credit inquiry, they should be removed from my report : XXXX, XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Please consider this my formal request for an investigation under the FCRA. If the items mentioned above are not removed or corrected, I will seek further action, including filing complaints with the CFPB and taking legal steps to enforce my rights under the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-24 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: LEXISNEXIS
State: FL

Complaint narrative:
I recently checked my credit report and discovered invalid personal information, fraudulent accounts and collection accounts that are listed on the uploaded attachment. 

I have contacted the creditor to remove it and sent them my XXXX XXXX XXXX XXXX  City of XXXX police report and FTC report. It has been several months and I haven't gotten anything from the company as requested for the Debt Validation showing what application that has my signature applying for credit from them and authorization to access my file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-24 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:
Violation of FERPA laws. My my personal and financial data was compromised and breached without my authorization which violates multiple federal laws. My rights have been severly violated.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-24 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: GA

Complaint narrative:
Violation of FERPA laws. My my personal and financial data was compromised and breached without my authorization which violates multiple federal laws. My rights have been severly violated.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-24 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: GA

Complaint narrative:
Violation of FERPA laws. My my personal and financial data was compromised and breached without my authorization which violates multiple federal laws. My rights have been severly violated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-24 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: IL

Complaint narrative:
I recently reviewed a copy of my Experian, Equifax and Transunion credit reports, and I noticed some inaccurate information on my credit report : The following personal information is reported incorrectly on my credit report : Name : The correct spelling of my name XXXX XXXX Current Address : My correct current address is : XXXX XXXX XXXX XXXXXXXX XXXX  XXXX Previous Address : The following previous addresses are wrong : Incorrect Address - XXXX XXXX XXXX,, XXXXXXXX XXXX XXXXXXXX - The following information is Outdated, Please remove it from my credit Report - This employer information does not belong to me. 

Incorrect Address - XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX - The following information is Outdated, Please remove it from my credit Report - This employer information does not belong to me. 

Incorrect Address - XXXX XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX - The following information is Outdated, Please remove it from my credit Report - This employer information does not belong to me. 

EMPLOYER - XXXX  - The following information is Outdated, Please remove it from my credit Report - This employer information does not belong to me. 

XXXX - XXXX - XXXX following information is Outdated, Please remove it from my credit Report - This employer information does not belong to me. 


Please update my credit file to reflect the proper spelling and data as I have indicated above. Please also remove the old inaccurate addresses. I do not want to be mistaken for someone else because of these errors that you are reporting Thank you, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I recently reviewed a copy of my Experian, Equifax and Transunion credit reports, and I noticed some inaccurate information on my credit report : The following personal information is reported incorrectly on my credit report : Name : The correct spelling of my name XXXX XXXX Current Address : My correct current address is : XXXX XXXX XXXX XXXXXXXX XXXX  XXXX Previous Address : The following previous addresses are wrong : Incorrect Address - XXXX XXXX XXXX,, XXXXXXXX XXXX XXXXXXXX - The following information is Outdated, Please remove it from my credit Report - This employer information does not belong to me. 

Incorrect Address - XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX - The following information is Outdated, Please remove it from my credit Report - This employer information does not belong to me. 

Incorrect Address - XXXX XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX - The following information is Outdated, Please remove it from my credit Report - This employer information does not belong to me. 

EMPLOYER - XXXX  - The following information is Outdated, Please remove it from my credit Report - This employer information does not belong to me. 

XXXX - XXXX - XXXX following information is Outdated, Please remove it from my credit Report - This employer information does not belong to me. 


Please update my credit file to reflect the proper spelling and data as I have indicated above. Please also remove the old inaccurate addresses. I do not want to be mistaken for someone else because of these errors that you are reporting Thank you, 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 non-monetary relief
Consumer complaint received 2025-05-25 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: WI

Complaint narrative:
I have requested verification of this dismissed XXXX XXXX XXXX that is appearing on my credit report. The date of filing is wrong, it was XXXX of 2018, and the account numbers are not accurate. I have received no response to my request that they verify and correct the information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-24 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: MS

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 2025-05-24 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: MS

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