vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-28 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 am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

FRAUDULENT ACCOUNTS : Account Name : XXXX XXXX XXXX XXXXXXXX - Date Opened XX/XX/XXXX Account Name : XXXX  XXXX XXXX - Date Opened XX/XX/XXXX Account Name : XXXXXXXX XXXX XXXXXXXX - Date Opened XX/XX/XXXX Account Name XXXX XXXX XXXX XXXX XXXXXXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX XXXXXXXX XXXX Date Opened XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-28 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:
I am a victim of identity theft. I recently discovered that I was listed as part of the Transunion data breach where my personal information has been exposed. My identity has been stolen and I am so sad. Please help assist me in the matter. Im seeking that my consumer rights be implemented in the FCRA Section 605B ( 15 U.S.C. 1681c-2 ). As an individual whos a victim of identity theft, I have the right to request that any fraudulent information be removed from all of my credit reports. This law states that credit reporting agencies promptly eliminate any information that originated from identity theft once they receive appropriate notification. Please remove these account in 4 business days.

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 2025-07-28 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 am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

FRAUDULENT ACCOUNTS : Account Name 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 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 2025-07-28 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: LA

Complaint narrative:
XXXX XXXX XXXX XXXX is not my name I disputed it and it came back verified even though I showed them my id I am not XXXX XXXX XXXX XXXX this needs to be taken off my Equifax now. I shouldn't have to complain to cfpd do your job

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-28 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: NY

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

Company 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 2025-07-28 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: NY

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
In XX/XX/year>, I discovered that a bank account had been fraudulently opened in my name with Bank of America. I did not apply for or authorize the opening of the account. This account was opened without my knowledge or consent and appear to be the result of identity theft. 

Upon learning of the fraudulent activity, I contacted the financial institution to report the issue and request that the account be closed and any related records removed from my name. I am also in the process of filing reports with the Federal Trade Commission and credit bureaus to formally document the identity theft and prevent further misuse of my personal information. 

I am not responsible for this or any transactions associated with it. I am requesting that the institution investigate and take immediate action to remove the fraudulent account from their records and confirm that no adverse action will be taken against me.

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 2025-07-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX XXXX, do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on 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 2025-07-28 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: NY

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX XXXX, do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-28 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: NC

Complaint narrative:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

FRAUDULENT ACCOUNTS : Account Name : XXXX XXXX XXXX XXXXXXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXXXXXX - Date Opened XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
" I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft.

As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly. ''

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 2025-07-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: KEYCORP
State: CO

Complaint narrative:
I have asked for a person to be removed from my account for some time. They told me it was not possible unless they agreed. But they added him illegally. You have to have some type of valid form of identification to be apart of a bank. He has no social, no government form of ID. Because he is illegal. And has been for over XXXX years now. He will not remove himself from my account and because of that. He is constantly stealing my money. Making the account negative. Which is costing me more money because of over draft fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-28 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: PA

Complaint narrative:
Hello! I am requesting an immediate correction of the mentioned account. The three credit bureaus, obligated by federal law to promptly respond within the constitutionally prescribed time limit, have regrettably neglected their duty to address my letters. Under the Fair Credit Reporting Act ( FCRA ), specifically 611 ( a ) and 607 ( b ), I am exercising my right to request a full reinvestigation into this item, as I believe the information being reported may be inaccurate, incomplete, or unverifiable. I am appealing to you to take swift action on this matter at your earliest convenience. Please correct the listed account above. Thank you. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$180000.00} Late 30 days XXXX and XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : $ 060 days Late XXXXXXXX XXXX XXXX XXXX  days late XXXX XXXX  days late XX/XX/XXXXXXXX  and 90 days late XX/XX/XXXXXXXX XXXX XXXX XXXX Balance Owed : {$2000.00} late 30 days XXXX  XXXX 60 days late XX/XX/XXXX and XXXX XXXX days late XXXX XXXX days late XXXX XXXX 90 days late XXXX XXXX  and 120 days late XX/XX/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 non-monetary relief
Consumer complaint received 2025-07-28 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: GA

Complaint narrative:
Subject : Formal Dispute and Demand for Validation Account # XXXX Original Creditor : XXXX XXXX XXXX XXXX Alleged Balance : {$9000.00} To Whom It XXXX Concern, This letter is a formal dispute and demand for full validation of the above-referenced alleged debt pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, and the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681. 

You are legally obligated to provide the following documentation within 30 days : A copy of the original lease agreement bearing my signature. 
A full and itemized breakdown of all charges, including rent, damages, late fees, and any deductions. 
Documentation of all payments made, as well as a final account ledger or billing statement. 
A copy of the move-out inspection report, photographs, or repair invoices if damages are being claimed. 
Proof that National Credit Systems has legal authority to collect this debt, including a signed bill of sale or assignment from the original creditor.

Full account details including the date of default, account number, and contact information for the original creditor. 
Until and unless this documentation is provided, you are legally prohibited from collecting or reporting this debt. Failure to comply with this request will constitute a violation of FDCPA 807 and 809 and FCRA 1681s-2, subjecting your agency to liability for actual, statutory, and punitive damages.

Furthermore, I am invoking my rights under FDCPA 805 ( c ) and demand that you cease and desist from all further communication with me regarding this alleged debt. This includes but is not limited to telephone calls, mail, email, text messages, and third-party contact.

In addition, I hereby demand that you cease and desist from reporting or continuing to report this account to any consumer reporting agency, including XXXX, XXXX, or XXXX. If you are currently furnishing this data, you are to remove it immediately unless and until you provide full and complete validation of the debt as required by federal law. Continuing to report a disputed and unvalidated debt constitutes a willful violation of FDCPA 807 ( 8 ) and FCRA 1681s-2 ( b ), and may subject your company to regulatory penalties and civil litigation. 

Please be advised that I have an active extended fraud alert on file with all three major credit reporting agencies. Reporting unverifiable or fraudulent information under these conditions further compounds your liability under federal law. 

If you are unable to validate this debt within 30 days of receipt of this letter, you must remove all references to it from all credit reporting agencies and cease any and all collection activity. 

This communication is being formally documented for evidence and may be used in a future legal proceeding. I expect a timely and complete response.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-28 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: GA

Complaint narrative:
I am filing this complaint because a collection account by XXXX XXXX XXXX has been inaccurately reported on my credit report. I have previously disputed this account with the credit reporting agencies and the collection agency, stating that the debt does not belong to me. Despite my dispute, this account remains on my credit report, negatively affecting my creditworthiness. I have not received proper validation of the debt, and no sufficient proof has been provided that this account is mine. Under the Fair Credit Reporting Act ( FCRA ), any item that is inaccurate or can not be verified must be removed.

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 2025-07-28 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: TX

Complaint narrative:
In XX/XX/year>, an account from XXXX XXXX XXXX XXXX for {$110.00} was placed on my credit report. I formally disputed the account, but I was never contacted by the company and was never provided with any validation or documentation of the alleged debt. 

Despite this, the collection was still reported to the credit bureaus. My report now shows the remark Account information disputed by consumer, which confirms the dispute was received yet no verification was provided, and the debt remains on my report as active and open. 

Reporting an unverified debt after a consumer dispute violates the Fair Credit Reporting Act ( FCRA 623 ) and FDCPA 809. I am requesting that this account be fully investigated and either validated with documentation or removed entirely from all credit reporting agencies if no proof of debt exists. 

Ive also contacted the company directly and am requesting all future communication in writing.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Consumer Adjustment Company Incorporated
State: AL

Complaint narrative:
XXXX XXXX XXXX  XXXX XXXX, TX XXXX the FCRA Re : Urgent Request Fraudulent Information and Inquiries Block under Section 605B of To Whom It May Concern, I am writing to urgently request the removal of fraudulent accounts on my credit report due to identity theft. The inaccurate information is causing significant harm to my credit, and I expect immediate corrective action.

Per Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ), the following fraudulent accounts must be blocked and permanently removed from my credit file. I am invoking my right to have fraudulent information blocked and permanently removed from my credit report within four ( 4 ) business days from the date of receipt of this letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
Portfolio Recovery Associates has been attempting to collect a debt that I do not owe. I have no affiliation with the company they claim to represent, and the information they have on file does not match mine. Despite multiple attempts to dispute the debt and request deletion, they have refused to take action.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-28 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: AL

Complaint narrative:
Despite my repeated efforts to resolve the presence of fraudulent, inaccurate, and misleading information on my consumer credit report, these serious issues remain unaddressed. The continued inclusion of these unauthorized items has caused me substantial distress and XXXX, significantly impacting multiple aspects of my daily life. I want to emphasize that I never authorized or consented to any of the accounts or information currently associated with my name, as I have been a victim of identity theft and these entries are the direct result of criminal activity perpetrated against me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-28 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:
I recently reviewed a copy of my credit report and noticed I had fraudulent accounts on my report. Please remove these accounts permanently from my report, they are hurting my ability to obtain credit.

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 2025-07-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
A bankruptcy is reporting inaccurately on my credit reports. I am requesting it be removed from my credit report. I have already requested the same from your information provider, XXXX XXXX. This inaccurate bankruptcy has already been removed from one of the other credit bureau 's reports so far, so I am requesting that you follow suit. The bankruptcy court has already been contacted. Included is the letter from the bankruptcy court verifying that they did not furnish this information with the credit bureaus or XXXX XXXX. Credit bureaus must be able to verify any debts or judgements listed by the original creditor or furnishers. The credit bureaus are claiming XXXX XXXX furnished this information. The bankruptcy court has verified that they did not furnish this information to XXXX XXXX or the credit bureaus. The Fair Credit Reporting Act requires that credit bureaus validate information with the original creditor and remove any information that can not be validated. Please remove this inaccuracy immediately and also provide an updated XXXX XXXX report showing it has been removed. 

I have already contacted this credit bureau regarding this matter. My credit reported was not updated. You also did not provide your method of verification.

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