vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ). 
Sincerely, XXXX XXXX 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 2025-07-08 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC
State: NY

Complaint narrative:
On XX/XX/year> I was a victim of a scam in which an individual was posing as a representative from a nonprofit organization, requesting donations. The individual was specifically asking for donations through the Zelle application. I logged into my mobile banking app, willing to donate a small amount, and asked for his Zelle information. He instead asked if he could see my phone to look up his boss ' Zelle information. As I sat next to him watching what he was doing, his partner came up to me as a distraction and in that time, the first individual quickly transferred himself {$2000.00} from my account using Zelle. I did not give permission for this transfer to happen. The two individuals left and I realized immediately after that they had stolen money from my account. I called Zelle right away, but the automated voice directed me to call my bank instead. I called my bank and they explained that there was nothing they could do to recover the money.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-08 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: NC

Complaint narrative:
Hello, I am reaching out to follow up on my previous letter wherein I requested the removal of fraudulent items from my credit report. I am once again formally requesting Experian, Equifax, and TransUnion Credit Bureaus to comply with the requirement to remove the fraudulent items identified in my Identity Theft Report. Below, you will find the listed items that I am urging to be promptly removed from my credit file. 
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 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 2025-07-08 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:
Hello, I am reaching out to follow up on my previous letter wherein I requested the removal of fraudulent items from my credit report. I am once again formally requesting Experian, Equifax, and TransUnion Credit Bureaus to comply with the requirement to remove the fraudulent items identified in my Identity Theft Report. Below, you will find the listed items that I am urging to be promptly removed from my credit file. 
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 explanation
Consumer complaint received 2025-07-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I have disputed several issues with the presence of old account still listed, even though they are listed under my bankruptcy.

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 2025-07-08 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: NJ

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 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 non-monetary relief
Consumer complaint received 2025-07-08 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: OR

Complaint narrative:
I am writing to request the removal of certain inaccurate items from my credit file. A list of these items is attached in a separate document for your reference. 

I am a victim of identity theft and have discovered multiple unauthorized accounts and inquiries on my credit report that I did not apply for. I respectfully request that these fraudulent items be removed to ensure my credit report accurately reflects my financial history. 

I have reported the identity theft to the Federal Trade Commission and have enclosed copies of the report as supporting documentation. In accordance with Section 605B of the Fair Credit Reporting Act, I request that you block this fraudulent information from my credit report as soon as possible.

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 2025-07-08 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: IN

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute and demand the immediate removal of the following fraudulent accounts and inquiries from my credit report due to identity theft. These accounts were opened without my consent, and I am invoking my rights under the Fair Credit Reporting Act ( FCRA ) to have these items promptly removed.

I am also writing to formally notify you that I am a victim of identity theft and request the immediate blocking and deletion of all fraudulent accounts or information related to the identity theft, as authorized by 15 U.S.C. 1681c-2 ( a ). I became aware of the breach of my personal information through the Equifax data breach, which has exposed my sensitive data to unauthorized individuals.

The following fraudulent accounts and inquiries have been identified as a result of this breach : Collections/closed accounts XXXX {$280.00} XXXX XXXX XXXX {$3000.00} Inquiries 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 non-monetary relief
Consumer complaint received 2025-07-08 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:
My information was exposed in the equifax data breach and I have several fraudulent and inaccurate information on my credit report. This CFPB Complaint has been filed to request pursuant to The FCRA 605B ( 15 U.S.C. 1681c-2 ) that you : The Credit Reporting Agency ; REMOVE and BLOCK the information appearing on My Consumer Credit Report, that is a result of a Data Breach, Identity Theft and Fraud within 4 Business Days of you receiving this complaint. This Fraudulent, Inaccurate and False Accounts consists of : Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These accounts have resulted in several Fraudulent Hard Inquires, Collections, Charge-Offs, and Derogatory Accounts appearing on My Consumer Credit Report, and negatively effecting my Consumer Score as well as My Financial and Personal Life. Ive attached a list of all the negative accounts and/or inquiries and ftc report . I DO NOT recognize the aforementioned Accounts on My Consumer Credit Report maintained by you, were not opened, made or initiated by me. All of the aforementioned Accounts are a result of a Data Breach, Identity Theft and Fraud. I have attached a copy of a FTC ( Federal Trade Commission ) Identity Theft Report as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts are a result of a Data Breach, Identity Theft and Fraud.

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 2025-07-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: GA

Complaint narrative:
To Whom It May Concern : Account Number : XXXX This correspondence serves as a formal dispute and demand for validation of the alleged debt you are attempting to collect, as reflected on my consumer credit report dated XX/XX/year>. Pursuant to the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ( b ) ), I hereby dispute the entirety of this alleged debt and demand full validation within 30 days of receipt of this notice.

I further invoke my right under the Fair Credit Reporting Act ( 15 U.S.C. 1681g, 1681i, and 1681s-2 ) to demand that any tradeline or negative item reported by your company be immediately removed until a full and verifiable investigation is completed. 

Your organization is required to provide the following : The original contract bearing my wet-ink signature allegedly creating a binding obligation. 

A full payment history, including principal, interest, and fee calculations that substantiate your inflated claim of {$15000.00} against a stated original balance of {$14000.00}. 

Proof of ownership or assignment, including chain of custody of the debt from the original creditor.

Proof of current licensure and authority to collect debt in the State of Georgia, in compliance with O.C.G.A. 7-3-29 and 7-4-3.

A copy of your Surety Bond required to operate as a third-party collection agency in Georgia.

Failure to produce all five items within 30 days constitutes automatic forfeiture of any collection right, and you must cease and desist all collection and credit reporting activity immediately. 

XXXX XXXX and FCRA VIOLATIONS The tradeline you are reporting reflects a " collection account '' with a {$15000.00} past due balance, which is a direct violation of XXXX XXXX guidelines. A collection account can not legally report a " past due '' balance, as it is not an open installment or revolving account. 

This is a violation of : XXXX XXXX Credit Reporting Resource Guide ( CRRG ) FCRA 607 ( b ) Failure to maintain maximum accuracy FCRA 1681s-2 ( a ) ( 1 ) ( A ) Furnishing information known to be inaccurate Your reporting is materially misleading, damages my reputation, and has directly resulted in credit denials, financial hardship, and emotional distress.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-08 00:00:00
Product: Debt collection — I do not know
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
I am writing to formally dispute the validity of the alleged debt associated with the Equifax account XXXX XXXX collection ( portfolio recovery account number XXXX. Under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, I have the right to request a validation of the debt you claim I owe. Furthermore, under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, I am entitled to request accurate and verifiable information regarding any negative entry on my credit report. 

Therefore, I hereby request that you provide me with the following documentation and information to validate this debt : XXXX. A complete itemized statement of the debt, including the original creditors name, account number, date of the debt, and the exact amount owed as of today. 
( FDCPA 1692g ( a ) ( 1 ) ) 2. A copy of the original signed contract or agreement bearing my signature that created this debt.

( FDCPA 809 ( a ) ) Requirement to provide evidence of debt ownership 3. Documentation proving your agencys legal authority to collect this debt, including the original assignment, sale agreement, or transfer of the debt from the original creditor to your company.

( FDCPA 1692g ( b ) ) 4. Verification that the debt belongs to me, including proof of my identity, name, and address associated with this debt. 
( FDCPA and FCRA requirements for accuracy and verification ) XXXX. Proof of the complete chain of custody for the debt, detailing when and how the debt was transferred or sold from the original creditor to your agency. 
( To establish legal standing to collect and report the debt ) Please be advised that until you provide the requested validation, you are legally required to cease all collection activities under FDCPA 1692g ( b ). Additionally, if you are reporting this account to any credit reporting agencies, failure to verify the debt obligates you to notify these agencies to remove any unverifiable or inaccurate information as mandated by the FCRA 1681i.

I expect your response in writing within XXXX  days of receipt of this letter. Failure to comply will be considered a violation of federal law, and I will not hesitate to file complaints with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and my states Attorney Generals office. 

Thank you for your prompt attention to this matter. 

Sincerely, [ XXXX XXXX XXXX ]

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-08 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:
This complaint serves as a formal and legally binding demand for the immediate removal of fraudulent accounts associated with the unauthorized use of my Social Security number and personal information. These accounts were not opened, authorized, or consented to by me in any form and do not pertain to any legitimate financial activity I conducted. Legal Basis for Immediate Removal : Pursuant to 15 U.S. Code 1681c2, I am invoking my legal right to demand the permanent removal of these fraudulent accounts. Under 12 CFR Part 1022, Subpart H, credit bureaus are required to remove and eliminate fraudulent data upon receiving notice of identity theft. You are required by law to remove this information within four ( XXXX ) business days of receiving this letter. These are the list of Items need to be deleted ASAP : XXXX XXXX * * * * Balance : {$1800.00}, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX * * * * Balance : {$7600.00}, XXXX XXXX  ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX * * * * Balance : {$770.00}, XXXX XXXX XXXX  XX/XX/year>, XXXX XXXX XX/XX/year>. 
Under 15 U.S. Code 1681a ( 2 ) ( B ) Exclusions from a consumer Report This account is in violation any credit transaction supposed to be excluded from a consumer credit report. if a social security card was used in the transaction. Under 15 U.S. Code 1692j - Furnishing certain deceptive forms I am not participating in the collection of this alleged debt. 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 2025-07-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Affirm Holdings, Inc
State: AL

Complaint narrative:
I disputed a charged-off account from Affirm that appears on my Experian credit report with a balance of {$160.00}. I requested full debt validation, including the original signed contract, proof that Affirm owns the debt, and an itemized breakdown of the charges. Experian marked the account as verified, but no actual documentation was provided. I still have not received a contract or proof of liability, and yet the account remains on my report.

Under FCRA 15 U.S.C. 1681i ( a ), Experian is required to conduct a reasonable reinvestigation and remove unverifiable information. Since the account remains without proper validation, I am requesting its removal from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-08 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: TN

Complaint narrative:
Upon reviewing my credit report, I noticed several inaccuracies associated with my account. This account is negatively impacting my ability to obtain credit. It is my understanding that you will conduct a thorough investigation to verify the accuracy completeness of the information, as required under the Fair Credit Reporting Act. Here is the account I'm asking you to verify as accurate. Acct Name : 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 non-monetary relief
Consumer complaint received 2025-07-08 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: TN

Complaint narrative:
Upon reviewing my credit report, I noticed several inaccuracies associated with my account. This account is negatively impacting my ability to obtain credit. It is my understanding that you will conduct a thorough investigation to verify the accuracy completeness of the information, as required under the Fair Credit Reporting Act. Here is the account I'm asking you to verify as accurate. Acct Name : XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-08 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: SD

Complaint narrative:
I am writing to notify you of an account that has been incorrectly reported on my credit report and does not belong to me. This account was reported without my consent, which is violation of my rights as a consumer under federal credit laws. 

Account Information collection Agency : XXXX XXXX Account Number : XXXX balance {$330.00} Date Reported : XX/XX/2025

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 2025-07-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: TD BANK US HOLDING COMPANY
State: VA

Complaint narrative:
I was pressured by a TD Bank branch representative into applying for a credit card I clearly said I did not want. The rep was extremely pushy and told me it would not affect my credit and that I could decline the card later if I changed my mind. She gave me no proper explanation of the card terms and limits. Suddenly, she returned and said, Congratulations, youre approved for {$2000.00}, and processed it without my full understanding or consent. 

I immediately went back to the branch and explained that I did not want this card. They told me they would take care of it, but Ive received no follow-up or resolution. I also emailed TD Credit Card Services twice and the Executive Resolution team, and they have ignored me completely. 

I have not activated or used the credit card. I have other cards with limits between {$35000.00} and {$50000.00} and this low-limit card does not meet my financial profileit is actually hurting my credit utilization ratio. I want this card either closed with no damage to my credit, or upgraded to a comparable limit of {$50000.00}. 

TD Banks sales tactics were aggressive and misleading. I am requesting urgent investigation and enforcement to ensure this is resolved properly. 



What do you want the company to do to fix the problem? 

I want TD Bank to either : ( XXXX ) Increase the credit limit to {$50000.00}, in line with my other cards, OR ( XXXX ) Close the account with no impact to my credit report. 
I also want this complaint on record due to their pressure tactics and lack of response.

Company response to consumer: Closed with explanation