vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-02 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: FL

Complaint narrative:
XX/XX/year> Credit Bureaus Notified : Equifax, Experian, TransUnion Previous Contact Methods : Certified letters to the credit bureaus and direct communication with the creditors listed below.

Disputed Accounts : - XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX Account Number : XXXX  Description of the Issue : I am submitting this formal complaint regarding the above-listed credit accounts, which do not belong to me.I have made multiple efforts to resolve this matter:1. I sent dispute letters to all three major credit bureaus ( Equifax, Experian, and TransUnion ) stating that these accounts are not mine.2. I contacted the companies directly requesting verification and the immediate removal of these inaccurate accounts.To date, I have not received any response from the companies involved, and the inaccurate information remains on my credit reports. This is negatively impacting my credit score and causing unjust financial harm.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-02 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: GA

Complaint narrative:
I kindly request that you remove these fraudulent inquiries from my credit report within four business days pursuant 605b for the Fair Credit Reporting Act. I have given you my identification request along with the FTC report. Please remove these unauthorized fraudulent hard inquiries from my credit report immediately. Thank you in advance.

Block and Delete Inquires : 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 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 2025-07-02 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: PA

Complaint narrative:
To Whom It May Concern, I'm writing to you directly no third-party company is involved so please dont respond with a stall letter or a generic reply. This dispute is coming from me, the actual consumer, and it needs to be handled seriously and according to the law. 
This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. 
XXXX XXXX XXXX ( b ) Compliance and procedures ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 
Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below. Or a Certification from the creditor that certified the accuracy and completeness of the information/account. 
Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be DELETED and if you are unable to provide me a copy of verifiable proof, you must DELETE the account listed below. 
In addition, DELETE all non-account holding inquiries over XXXX  days old. Also, please add a promotional suppression to my credit file. 

I demand that the following account be validated or DELETED immediately : XXXX. XXXXXXXX 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 2025-07-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Paypal Holdings, Inc
State: PA

Complaint narrative:
Hello Im IXXXX XXXX n PayPal closed my account n put my {$600.00} on hold n there saying its on hold for 120 days n I did nothing wrong on it my friends sent me money and i receive my winnings from my XXXX XXXX XXXXXXXX XXXX accounts

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-02 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: VA

Complaint narrative:
This inquiry is not mine, and it's clearly fraudulent. I have no knowledge of these inquiries and request immediate action to address them. Please see the attached documents for reference.

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 2025-07-02 00:00:00
Product: Debt collection — Rental debt
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: TX

Complaint narrative:
I moved out of my apartment ( previously managed by a XXXX XXXX XXXX XXXX ) at the end of XX/XX/XXXX. At the time of move-out, I had already paid the full rent for that month, which included final utility charges, as well as a carpet cleaning fee through the resident portal. My account showed no balance due, and the on-site staff confirmed I could proceed with move-out. 

On XX/XX/XXXX, I received an initial notice email from a third-party debt collection agency, stating that I allegedly owed a balance of {$270.00}. I have never received any documentation or itemized breakdown explaining the nature of this charge. 

The following day, on XX/XX/XXXX, I submitted a formal written dispute and a request for debt validation via emailwell within the 30-day window required by the Fair Debt Collection Practices Act ( FDCPA ). The notice had stated that collection would stop until the company provided evidence of the debt. However, I never received any response or supporting documents.

I then contacted the original property manager, but their team informed me they no longer manage the property and no longer have access to my account. I have attached a copy of their email confirming this.

Despite my timely dispute and the lack of any response or verification, the collection agency continued to contact me. On XX/XX/XXXX, I received another message titled Account Balance, which not only demanded payment but also stated that interest was accruing on the alleged debt. I believe this constitutes a direct violation of the FDCPA, as the debt is still under dispute and remains unvalidated.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-02 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: CreditNinja Lending, LLC
State: TX

Complaint narrative:
Company SOLD my drivers license, Ssn, BANK ACCOUNT INFO, address and DOB to.anyone who asked for it.

Loans were applied for with all of my information without my knowledge or consent. 

I asked how they received my bank account info? They replied credit ninja. Scammers are after me from XXXX. 

Its really bad. I recorded this call.

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 2025-07-02 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: FL

Complaint narrative:
This account was charged off on the following date XX/XX/year>, since then the account has repeatedly been updated as charged off every month. This is an update in the payment history. A charged off account should NOT include an active payment history. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly and your neglect has violated my rights. I am demanding a deletion of the following account : Accounts Name ; XXXX XXXX XXXX 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
Consumer complaint received 2025-07-02 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: OH

Complaint narrative:
These accounts are being reported under my name without my knowledge, authorization, or involvement. I have never opened, managed, or approved these accounts, and their presence on my credit report is entirely unacceptable. This misrepresentation distorts my financial history and presents a false and damaging picture of my creditworthiness.

I take the integrity of my credit profile very seriously, and the appearance of these unauthorized accounts is deeply concerning. I require immediate clarification regarding how these accounts came to be reported under my name and who is responsible for submitting this inaccurate information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-02 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: OH

Complaint narrative:
These accounts are being reported under my name without my knowledge, authorization, or involvement. I have never opened, managed, or approved these accounts, and their presence on my credit report is entirely unacceptable. This misrepresentation distorts my financial history and presents a false and damaging picture of my creditworthiness.

I take the integrity of my credit profile very seriously, and the appearance of these unauthorized accounts is deeply concerning. I require immediate clarification regarding how these accounts came to be reported under my name and who is responsible for submitting this inaccurate information.

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 2025-07-02 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: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I am reporting multiple unauthorized inquiries on my credit report that continue to harm my credit score. Despite prior assurances these would be removed, no action has been taken.

This lack of response is unacceptable and raises serious concerns of potential identity theft. The continued presence of these inquiries is causing ongoing emotional and financial harm.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-02 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: AR

Complaint narrative:
I was a victim of identity theft, and I am requesting that fraudulent information be removed from my credit report. Under FCRA 605B ( 15 U.S.C. 1681c-2 ), the credit bureaus are required to act swiftly and remove fraudulent accounts within 4 business days upon receipt of this request. Some of the disputed items are completely unknown to me, while others have been successfully removed by other credit bureaus, raising concerns regarding their accuracy and legitimacy. 
XXXX XXXX XXXX XXXX XXXX, AR XXXXXX/XX/XXXX * Balance Owed : {$0.00}XX/XX/XXXX Balance Owed : {$9500.00} XX/XX/XXXX Balance Owed : {$7200.00} XXXXXX/XX/XXXX Balance Owed : {$870.00} XX/XX/XXXX( Original Creditor : XXXXXX/XX/XXXXXXXXXX/XX/XXXXBalance Owed : {$810.00}XX/XX/XXXX( Original Creditor : XX/XX/XXXXXX/XX/XXXX Balance Owed : {$150.00}XX/XX/XXXXXX/XX/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 2025-07-02 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: AR

Complaint narrative:
I was a victim of identity theft, and I am requesting that fraudulent information be removed from my credit report. Under FCRA 605B ( 15 U.S.C. 1681c-2 ), the credit bureaus are required to act swiftly and remove fraudulent accounts within 4 business days upon receipt of this request. Some of the disputed items are completely unknown to me, while others have been successfully removed by other credit bureaus, raising concerns regarding their accuracy and legitimacy. 
XXXX XXXX XXXX XXXX XXXX, AR XXXXXX/XX/XXXX * Balance Owed : {$0.00}XX/XX/XXXX Balance Owed : {$9500.00} XX/XX/XXXX Balance Owed : {$7200.00} XXXXXX/XX/XXXX Balance Owed : {$870.00} XX/XX/XXXX( Original Creditor : XXXXXX/XX/XXXXXXXXXX/XX/XXXXBalance Owed : {$810.00}XX/XX/XXXX( Original Creditor : XX/XX/XXXXXX/XX/XXXX Balance Owed : {$150.00}XX/XX/XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-02 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: NY

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 rectify these issues. 

Account name : XXXX XXXXXXXX Account number : XXXX Account name : XXXXXXXX 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 non-monetary relief
Consumer complaint received 2025-07-02 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: FL

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 explanation
Consumer complaint received 2025-07-02 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Opportunity Financial, LLC
State: AZ

Complaint narrative:
I took out a loan with Opploan while experiencing temporary financial hardship. The loan was presented as an installment loan / line of credit, but after reviewing the Truth in Lending Disclosure, I realized that the effective APR is over 100 %.

I live in Arizona, where payday loans and similar short-term loans are subject to a maximum 36 % APR cap under state usury laws. This loan significantly exceeds that cap and is therefore unlawful. I was not made fully aware of the true cost at the time.

I respectfully request CFPBs assistance in reviewing this predatory loan practice, ensuring compliance with Arizona law, and helping me dispute this debt if necessary.

I am willing to repay the principal but not excessive illegal charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-02 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: WI

Complaint narrative:
In accordance with the fair credit reporting act his creditor has violated my rights under 15 usc 1681 section 602 states i have the right to privacy. 15 usc 1681 section 604a section 2 it also states a consumer reporting agency can not furnish an account without my written instructions. under 15 usc 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

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 2025-07-02 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: MI

Complaint narrative:
I am disputing multiple collection accounts that are inaccurately appearing on my credit reports and may be in violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). These accounts have not been properly validated and are negatively impacting my credit profile. 

First, XXXX XXXX XXXX ( Account # XXXX ) has failed to provide a complete and accurate debt validation as required under 15 U.S. Code 1692g. I requested documentation, including a signed agreement and a full payment history, but did not receive sufficient evidence that this debt is valid or that they have the legal right to collect on it.

Second, XXXX XXXX XXXX is reporting two separate accounts for XXXX XXXX XXXX ( Account # XXXX ) with balances of {$1500.00} and {$1200.00}. These accounts appear to be duplicates. Despite prior requests for debt validation and verification of the amounts, XXXX has not produced the required documentation. Under FCRA 1681i, information that can not be verified must be deleted. These accounts also violate 1692g due to failure to validate and 1692e due to possible misleading representation. 

Third, XXXX XXXX XXXX is reporting two accounts for XXXX XXXX XXXX  ( Account # XXXX ) with balances of {$580.00} and {$510.00}. These accounts appear to have been re-aged and reported with inaccurate information regarding the date of last activity. This is a violation of FCRA 623, and they have not responded with proper validation as required under FDCPA 809 ( b ). 

Lastly, XXXX XXXX XXXX XXXX is reporting a collection account in the amount of {$3200.00} without providing sufficient validation or documentation. No original contract or complete itemized statement has been produced to confirm the legitimacy or accuracy of this debt. Under FCRA 609 ( a ) ( 1 ), I have the right to request all information related to how this debt was verified, and they have failed to comply.

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 2025-07-02 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: GA

Complaint narrative:
I filed a complaint against Equifax on XX/XX/year> for falsely reporting a repossession on my credit report. In their response where they allege that the account belongs to me they provided no proof of their investigation. 

The CFPB themselves have sued Equifax for false reporting practices. Without validation or proof, meaning documentation and records of their SOP, regardless of their claims, I do not trust that Equifax is operating truthfully under the guidelines of the FCRA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-02 00:00:00
Product: Debt collection — Private student loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: CA

Complaint narrative:
I am submitting this complaint regarding a collection account that has been reported on my credit file by Genesis Credit. This account is both inaccurate and misleading, and I it was reported in clear violation of my rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Here are the key issues : This debt was purchased by a third-party debt collector, and I was never informed of how much they paid for it. That information is not shown on my credit report, leaving me in the dark about the actual financial details behind this account. The balance, status, and reporting on this account are not correct. The account was paid off for less than the full amount, but that is not reflected accurately. The collection agency never provided a proper validation notice as required under 12 CFR 1006.34 ( b ) ( 5 ). Despite this, they went ahead and reported the account to credit reporting agencies. I was never given the opportunity to dispute the debt within the required timeframe under 12 CFR 1006.34 ( c ) ( 4 ) ( i ). The collection company is using misleading and deceptive reporting practices that violate 12 CFR 1006.34 ( d ) and 15 USC 1681s-2 ( a ) ( 7 ) ( A ). This includes furnishing incomplete or inaccurate information and not following the required legal process before reporting.

Company response to consumer: Closed with non-monetary relief