vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
To Whom It May Concern, I am submitting this complaint regarding a debt collection attempt from a company I do not recognize. I have no knowledge of this company, nor do I owe any debt to them. While they claim to have paid a debt on my behalf, this does not constitute verification that I owe them any money. I request that this account be removed from my records immediately and with prejudice. I was seriously harmed because i can not buy a house without a higher score and this is not verified to be on there. Thank you for your prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-20 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: TX

Complaint narrative:
I am a victim of identity theft. Please delete or remove these items on my behalf. 
These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 





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 non-monetary relief
Consumer complaint received 2025-03-20 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 have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-03-20 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 have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-20 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: CA

Complaint narrative:
COLUMBIA DEBT RECOVERY XXXX Date opened XX/XX/year> Balance {$9700.00} I am writing to dispute a debt that has appeared on my credit report. I did not receive any prior notice or communication regarding this debt before it was reported, and I was unable to address the issue before it impacted my credit profile. In accordance with my rights, I am requesting the method of validation for this debt. Specifically, I would like to know the individuals or parties who were contacted regarding this matter and to receive a copy of the certified mail or letter that informed me about the collections process. I understand that debt XXXX are required to provide fair notice before reporting information to credit agencies. Since I did not receive such notice, I am requesting proof of this communication, including a certified mail receipt or any other documentation that confirms I was notified about the debt being collected. Thank you for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-20 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:
I am formally disputing the following negative items on my credit report : XXXX XXXX XXXX XXXX  {$4100.00} These entries remain unverified and questionable. Despite multiple attempts to have these inaccuracies properly investigated and resolved, no meaningful action has been taken. I have submitted all required documentation and followed up repeatedly, yet the errors persist. This ongoing lack of action has caused undue financial hardship and has significantly affected my well-being. The mental and emotional toll of dealing with these unresolved discrepancies has been overwhelming. 
Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a fair and accurate credit report, including the removal of unverifiable or incorrect information. I urge you to take immediate steps to verify and rectify these items, as failure to do so constitutes a violation of my rights under federal law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-20 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: NJ

Complaint narrative:
fraudulent applications was used in my name and my identity was used without my consent to fraudulently obtain goods and services.

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 2025-03-20 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: TX

Complaint narrative:
I am filing a formal dispute regarding multiple violations of my consumer rights under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). I demand immediate correction and removal of the following inaccurate and unverified information from my credit report : XXXX. Invalid and Unverified Debt ( FDCPA Violations ) Under 15 U.S. Code 1692g, I am disputing the listed accounts as they have not been properly validated under the FDCPA. Your failure to provide legal validation means you can not report or collect on these accounts, and they must be removed immediately. 

XXXX. Incorrect Late Payment Remarks ( FCRA Violations ) Under 15 U.S. Code 1681s-2 ( a ) ( 1 ) and 15 U.S. Code 1666b, I am disputing inaccurate late payment remarks on the following accounts. These accounts were paid on time, and the false reporting of late payments is a violation of FCRA and XXXX. I demand that these remarks be removed immediately to ensure the accuracy of my credit file. 


Additionally, I have already filed a formal complaint with the Federal Trade Commission ( FTC ) under Reference Number : XXXX regarding these violations. If this matter is not resolved promptly, I will escalate my complaint to the Consumer Financial Protection Bureau ( CFPB ) and consider further legal action to protect my rights.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I was a victim of identity theft someone open a credit card in my name and the creditor contacting me about a debt that I don't owe.. {$4200.00} I have contacted the creditor but haven't received a response to inform them that this credit card was open fraudulently.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-20 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: AL

Complaint narrative:
I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit.

Items that need attention : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$10000.00} Charged off- XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$3500.00} Charged off- XXXX XXXX XXXX **** Date Opened : XX/XX/XXXX Balance Owed : {$4800.00} Charged off- XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed XXXX {$2400.00} Charged off- XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$5400.00} Charged XXXX XXXX  XXXX  XXXX  XXXX Date Opened : XX/XX/XXXX Balance Owed : {$6800.00} Charged off- XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Date Opened : XX/XX/XXXX Balance Owed : {$1200.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Date Opened : XX/XX/XXXX Balance XXXX : {$790.00} XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX ) XXXX Date Opened : XX/XX/XXXX Balance Owed : {$1300.00} XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-20 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: AL

Complaint narrative:
I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit.

Items that need attention : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$10000.00} Charged off- XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$3500.00} Charged off- XXXX XXXX XXXX **** Date Opened : XX/XX/XXXX Balance Owed : {$4800.00} Charged off- XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed XXXX {$2400.00} Charged off- XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$5400.00} Charged XXXX XXXX  XXXX  XXXX  XXXX Date Opened : XX/XX/XXXX Balance Owed : {$6800.00} Charged off- XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Date Opened : XX/XX/XXXX Balance Owed : {$1200.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Date Opened : XX/XX/XXXX Balance XXXX : {$790.00} XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX ) XXXX Date Opened : XX/XX/XXXX Balance Owed : {$1300.00} 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 2025-03-20 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: DE

Complaint narrative:
My car was stolen in XXXX  with all of my personal information inside of the car. A police report was filed. Also I was at a casino and I was approached by the police stating that I was banned from the establishment based on my name. I asked them are they sure that they were speaking about me. I provided them with my drivers license and they stated that it all of my information but the Identification they had on file had a picture that was not me on it. I am a victim of identity theft and I provided all of this information to the 3 credit bureau and disputed the accounts that do not belong to be and they continue to report the information on my credit reports.

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 2025-03-20 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: DE

Complaint narrative:
My car was stolen in XXXX  with all of my personal information inside of the car. A police report was filed. Also I was at a casino and I was approached by the police stating that I was banned from the establishment based on my name. I asked them are they sure that they were speaking about me. I provided them with my drivers license and they stated that it all of my information but the Identification they had on file had a picture that was not me on it. I am a victim of identity theft and I provided all of this information to the 3 credit bureau and disputed the accounts that do not belong to be and they continue to report the information on my credit reports.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-20 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/year> i provided the death certificate to the XXXX XXXX and was told they could not assist me that I would have to call XXXX XXXX. 

I called XXXX XXXX and was told they would be sending me a packet to fill out and it would arrive within XXXX days. 

It never arrived I called XXXX XXXX to follow up snd was told that they cancelled the mailing of the packet and I would need to go into the Bank and fill out paperwork. I filled out the paperwork had it notarized, submitted to the bank and was told to call in a month to check the status. 

All other banks closed the XXXX accounts the same day and released the funds. Bank of America is holding the funds with no valid explanation. I would like to be compensated for every day they have delayed payment of funds. It has now been XXXX month and they still have not sent the XXXX XXXX as requested and will not release the funds at the XXXX level.

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 2025-03-20 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:
I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. This account has been reporting inaccurately. I wanted to dispute this account because of this and it was affecting my credit report. I am having problems with this unfair treatment. I am sure that I settled this account before because it was not mine. This account was taken care of with the original creditor and promised me to update it out of my report. Therefore, this account is unverifiable. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from my credit 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 explanation
Consumer complaint received 2025-03-20 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: CA

Complaint narrative:
To Whom It May Concern, I am submitting this complaint regarding a debt collection attempt from a company I do not recognize. I have no knowledge of this company, nor do I owe any debt to them. 

While they claim to have paid a debt on my behalf, this does not constitute verification that I owe them any money. I request that this account be removed from my records immediately and with prejudice. 
I was seriously harmed because i can not buy a house without a higher score and this is not verified to be on there. 
Thank you for your prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-20 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: TX

Complaint narrative:
I am a victim of identity theft. Please delete or remove these items on my behalf. 
These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 





XXXX XXXX Account Number : XXXX XXXXXXXX Account Number : XXXX XXXXXXXX Account Number : XXXX Inquiry XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-20 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:
i did not open these account a asp that under section 605b FCRA for these negative items be removed immediately under FCRA 605 B

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 2025-03-20 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: VA

Complaint narrative:
I am writing to formally request that you block certain erroneous data reported on my credit report, pursuant to 15 U.S.C. 1681c-2 of the Fair Credit Reporting Act. It has come to my attention that incorrect information has been included in my credit report, which I believe to be the result of identity theft. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days.

To following information on my credit report is the result of identity theft and should be blocked : 1. XXXX XXXX XXXX 2. XXXX XXXX XXXX 3. XXXX XXXX XXXX 4. XXXX XXXX  XXXX XXXX 5. XXXX XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and EQUIFAX has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine.

I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-20 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: NY

Complaint narrative:
XXXXXXXX XXXX XXXXXXXX XX/XX/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 non-monetary relief
Consumer complaint received 2025-03-20 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: SC

Complaint narrative:
XXXX XXXX, XXXX, XX/XX/XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX XXXX XXXX XXXX XXXX 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 These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of 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 non-monetary relief
Consumer complaint received 2025-03-20 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: FL

Complaint narrative:
I kindly request that you update and validate the items I previously mentioned, as they are still incorrectly reported on my account. I have already provided all the necessary details for 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