vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-27 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: NC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/year> Equifax XXXX XXXX XXXX XXXX XXXX XXXXXXXX To Whom It May Concern : Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. I have reached out to the company because I do not recall these account and I never received any proof of verification and no signed contracts : I demand the following accounts be removed immediately : XXXX. The high balance is incorrect, XXXX  & XXXX  show different amounts. 
XXXX XXXX Account XXXX : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please remove it from my credit report. 

XXXX. The high balance is incorrect, XXXX  & XXXX  show different amounts. 
XXXX  XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX  Please remove it from my credit report. 

XXXX. The high balance is incorrect, XXXX  showing different amount. 
XXXX XXXX Account XXXX : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Please remove it from my credit report XXXX. The high balance is incorrect, XXXX  & XXXX show different amounts. 
XXXX Account XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Please remove it from my credit report Thank you for your time and help in this matter. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-27 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: PA

Complaint narrative:
Good day, filing this complaint to follow up my previous letters that I'm requesting for correction or update of the accounts listed below. I am firmly convinced that the reporting of these accounts is inaccurate, resulting in a negative impact on my credit standing. Despite my diligent efforts to recall any interactions with these accounts, I have found no evidence of conducting business with them or receiving any services. This discrepancy raises concerns about the accuracy and validity of the reported items. Below is the accounts that I request to be investigated and updated : XXXX XXXXXXXX XXXX XXXX Balance Owed : {$15000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: WI

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX Midland Credit Management , Inc . 
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Re : Request for Original Purchase Agreement & Full Validation of Alleged Debt To Whom It May Concern, I am writing as a consumer disputing and requesting full validation of several alleged accounts you have reported and/or attempted to collect. Pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, I am formally requesting the following for each alleged account you claim : XXXX XXXX. XXXX Claimed Balance : {$880.00} Open Date : XX/XX/XXXX XXXX No. XXXX Claimed Balance : {$660.00} Open Date : XX/XX/XXXX XXXX No. XXXX Claimed Balance : {$530.00} Open Date : XX/XX/XXXX I hereby demand the following documentation for each alleged account : The original purchase agreement between Midland Credit Management and the original creditor showing proof of ownership of the alleged debt. 
The bill of sale or transfer agreement documenting that the above-referenced accounts were legally sold, transferred, or assigned to Midland Credit Management XXXX 
A complete copy of the terms and conditions of the original agreement under which the alleged debt was incurred. 
A full and complete accounting of the alleged amount claimed, including itemized statements from the original creditor. 
The name and address of the original creditor, as well as proof that the alleged debt is valid, enforceable, and collectible. 

Be advised that mere statements, screenshots, or computer printouts generated by Midland Credit do not constitute proof of ownership or legal validation. Until this documentation is provided, you must cease all collection activity, reporting, and verification of these accounts with any consumer reporting agencies, as doing so without validation is a violation of the FDCPA and the Fair Credit Reporting Act ( FCRA ). 

If you are unable or unwilling to provide the original purchase agreement, bill of sale, and full terms and conditions of the alleged accounts, you are required to immediately delete and remove these accounts from all consumer credit reporting agencies. 

This letter serves as notice of my good-faith attempt to exercise my federal rights as a consumer. Please respond within the timeframe required by law. 

Sincerely, [ XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I filed disputes with TransUnion for several accounts and credit inquiries on my report that I do not recognize and never authorized. I submitted my Identity Theft Report as supporting documentation, but despite this, TransUnion has continued to report these disputed accounts and inquiries. This failure to act has left fraudulent and inaccurate information on my file.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-27 00:00:00
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: GA

Complaint narrative:
After home invasion and robbery, the management company agreed on my family and I to move out of the house and we would not suffer any consequences for breaking the lease. We Was given XXXX week to move before the new month started. We did. XXXX  months later after management changed I seen unknown items on my credit report from a company I never heard of or contracted with. This company is harassing me to pay fees that I was not deemed to pay.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I was alarmed to find these inaccurate late payment remarks on my credit report this morning without any explanation. As part of my routine, I reviewed my report, but this time, I noticed discrepancies that hadnt been there before. Hoping it was just a system glitch, I refreshed my browser, yet the errors persisted. Because of this, I am requesting a thorough verification of the documents I have provided so that I can put this issue behind me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-27 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: NJ

Complaint narrative:
I am a victim of identity theft. Multiple accounts have been opened or reported in my name without my knowledge or consent. Fraudulent Department of EducationXXXX XXXX XXXX include : {$6400.00} opened XX/XX/XXXX, {$6200.00} opened XX/XX/XXXX, {$4100.00} opened XX/XX/XXXX, {$3500.00} opened XX/XX/XXXX, {$3500.00} opened XX/XX/XXXX, {$1800.00} opened XX/XX/XXXX, {$1100.00} opened XX/XX/XXXX, {$1100.00} opened XX/XX/XXXX, and {$910.00} opened XX/XX/XXXX, many of which were deferred or previously disputed. Additional unauthorized credit and collection accounts include XXXX XXXX ( {$19000.00} high credit, {$10000.00} balance, repossessed XX/XX/XXXX ) ; XXXX XXXX ( {$960.00} balance, XX/XX/XXXX ) ; XXXX XXXX XXXX  ( {$500.00} high credit, {$930.00} balance, charged-off XX/XX/XXXX ) ; XXXX ( {$290.00} high credit, {$560.00} balance, charged-off XX/XX/XXXX ) ; XXXX XXXX  ( {$520.00} and {$930.00} balances, collections ) ; XXXX XXXX ( {$500.00} and {$500.00} balances, collections ) ; XXXX XXXX ( {$240.00} high credit XXXX {$210.00} balance, delinquent XX/XX/XXXX ) ; XXXX  XXXX  ( {$750.00} high credit, {$55.00} balance, charged-off ) ; XXXX  XXXX ( {$300.00} paid charge-off ) ; XXXX XXXX XXXX XXXX ( {$100.00} balance {$0.00}, collections ) ; and XXXX ( {$700.00} balance {$0.00}, charged-off ). I also have multiple unauthorized hard inquiries from XXXX XXXX  ( XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX ), XXXX ( XX/XX/XXXX ), and other lenders. I have had active extended fraud alerts with Experian, TransUnion, and Equifax since XX/XX/XXXX. I did not authorize these accounts, debts, or inquiries. I request the removal of all fraudulent accounts and inquiries from my credit file and protection from further misuse of my personal information. will also attach my theft 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 2025-08-27 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: 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 response to consumer: Closed with explanation
Consumer complaint received 2025-08-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am a victim of identity theft. Fraudulent credit inquiries were made using my personal information without my knowledge or consent. 
These inquiries are unauthorized and damaging my credit. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2025-08-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
To Whomever This May concern, I found a mistake on my credit report. I am writing to delete the following information in my file. According to 15 USC 1681e ( b ), this charge-off isnt reported correctly. Heres whats wrong : I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. I need these accounts removed. Please fix this error. As well as the following inquiries below. Please delete the items as soon as possible. My name and only name is XXXX XXXX XXXX XX/XX/XXXX. My only phone number is XXXX and the only current address is XXXX XXXX XXXX XXXX XXXX, California XXXX. 
Thanks, Items in Need of Deletion : XXXX XXXX offs 1. Account name : XXXX XXXX Account opened : XX/XX/XXXX Amount owed : {$200.00} 2. Account name : XXXX  Account opened : XX/XX/XXXX Amount owed : {$3700.00} Inquiries Account name : XXXX XXXX Account Opened : XX/XX/XXXX Account name : Plug In Auto Account Opened : XX/XX/XXXX XXXX name : XXXX XXXX  Account Opened : XX/XX/XXXX XXXX name : XXXX XXXX  Account Opened : XX/XX/XXXX XXXX name : XXXX XXXX XXXX Account Opened : XX/XX/XXXX XXXX name : XXXX XXXX XXXX Account Opened : XX/XX/XXXX XXXX name : XXXX XXXX XXXX Account Opened : XX/XX/XXXX XXXX name : XXXX OF XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX name : XXXX XXXX XXXX MO Amount Opened : XX/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 non-monetary relief
Consumer complaint received 2025-08-27 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: OH

Complaint narrative:
I am formally disputing the above-referenced account as fraudulent and inaccurate. The reported balance, charge-off amount, and payment history are incorrect. This false information is severely damaging my credit profile and is preventing me from purchasing a home.

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 2025-08-27 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: OH

Complaint narrative:
I am formally disputing the above-referenced account as fraudulent and inaccurate. The reported balance, charge-off amount, and payment history are incorrect. This false information is severely damaging my credit profile and is preventing me from purchasing a home.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am writing to demand immediate action on fraudulent inquiries on my TransUnion credit report. Despite my disputes and identity theft documentation, TransUnion has failed to carry out its duty under the FCRA. 

Remove/delete the fraudulent/unauthorized inquiries : Inquiries : XXXX XXXX XXXX BANK - XXXX XXXX  - XXXX XXXX XXXX XXXX XXXX - XXXX By leaving these on my file after I provided proof of identity and an identity theft report, TransUnion is willfully violating 15 U.S.C. 1681c2 and 15 U.S.C. 1681i.

Immediately delete the fraudulent accounts and inquiries. Confirm deletion within 4 days. Send {$1000.00} per violation in statutory damages under 15 U.S.C. 1681n to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX 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 2025-08-27 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Rozlin Financial Group, Inc.
State: RI

Complaint narrative:
On XX/XX/year>, a collection account was reported under my name by XXXX XXXX XXXX on behalf of the original creditor XXXX XXXX XXXX Safety, Account Number XXXX, with an alleged balance of {$1800.00}. 

The issue is that this account is being reported as an open collection/charge-off. According to the IRS, a canceled debt or charge-off is considered income and should be reported to the IRS on a Form XXXX, not as a delinquent debt on a consumer credit report. Reporting this account as an active debt is inaccurate and misleading. 

This inaccurate reporting has caused me serious harm, including damage to my credit, reputation, and my ability to obtain personal and household credit. I have requested that the company provide proper validation and correct the reporting, but they continue to furnish inaccurate information in violation of 15 USC 1681s-2, which requires furnishers to provide accurate and complete information to consumer reporting agencies.

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 2025-08-27 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: MD

Complaint narrative:
Hello my name is XXXX XXXX XXXX and I noticed this problem on my credit report in XX/XX/year> there are multiple inaccuracies reporting on my credit report. Please remove it from my credit report as soon as possible. Im a victim of identity theft and these accounts are not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-27 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: MD

Complaint narrative:
Hello my name is XXXX XXXX XXXX and I noticed this problem on my credit report in XX/XX/year> there are multiple inaccuracies reporting on my credit report. Please remove it from my credit report as soon as possible. Im a victim of identity theft and these accounts are not mine.

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 2025-08-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WI

Complaint narrative:
In XX/XX/year>, XXXX charged my Bank of America credit card {$260.00} without my authorization. 
I never enabled auto-renew in XXXX, and I did not approve this charge. 

Bank of America did not notify me in any way about the charge or the overdue balance ( no email, no SMS, no phone call, no letter ). Because of this, the account became overdue, and by the end of XX/XX/year> my credit score dropped by more than XXXX points. 

When I discovered the issue, I immediately paid the full balance of {$340.00} ( the original charge plus late fees and interest ). I also contacted Bank of America in person, but they refused to remove the late payment record from my credit report, even though the situation was caused by an unauthorized charge and lack of notification. 

I am requesting that Bank of America remove the late payment from my credit reports ( XXXX XXXX XXXX  ) and refund the late fees and penalties. This charge was unauthorized, I was never informed of the balance, and I resolved the balance immediately once I became aware.

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 monetary relief
Consumer complaint received 2025-08-27 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: Early Warning Services, LLC
State: TX

Complaint narrative:
XXXXName: XXXX XXXXConsumer ID: XXXXDate of Birth: XXXXSSN: XXXX  Type: Driver's LicenseXXXX XXXX XXXXAddress: XXXX XXXX XXXX XXXX XXXX XXXX XXXXEarly Warning Services, LLCXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXI am writing to request an investigation of the following information that appears on my\nEarly Warning Systems consumer report. I have NEVER opened or used the following account\nnumbers:\nBank: 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXi do not recognize any of the accounts in question . I am a victim of identity theft, and I am requesting that the following information be\nremoved from my Early Warning Consumer report immediately. I have attached a copy of the\nreport to this request for your reference.\nThank you for your assistance."

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-27 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CCS Financial Services, Inc.
State: NY

Complaint narrative:
Draft : Debt Validation Letter XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Credit Collection Services , Inc . 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX To Whom It May Concern, I am writing in response to your reporting of an alleged debt with the above-referenced account number. I dispute this debt and request full validation under my rights provided by the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g.

Please provide the following : The name and address of the original creditor.

A copy of the original signed contract or agreement showing I am legally obligated.

A complete payment history, including all charges, fees, interest, and payments made.

Documentation proving your company has the legal right to collect this alleged debt.

Proof that this debt is within the applicable statute of limitations.

Until proper validation is provided, you must cease all collection activities and stop reporting this account to any credit bureau. If you continue collection efforts without validation, it will be considered a violation of federal law and I will not hesitate to file a complaint with the Consumer Financial Protection Bureau ( CFPB ) and my state attorney generals office.

This letter is not an acknowledgment of liability, nor a promise to pay. It is a formal request for validation as required by law.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation