vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-03 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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-04-03 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: NV

Complaint narrative:
" I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about! 

"

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 2025-04-03 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: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX ( XXXX ) XXXX XX/XX/XXXX Equifax Consumer Services XXXX XXXX XXXX XXXX, XXXX  XXXX Subject : Request for Blocking and Deletion of Accounts Pursuant to 15 USC 1681c-2 ( a ) Dear Equifax Consumer Services , I am writing to formally noti % l you that I am a victim of the recent data breach that occurred within your organization. As a result of this breach, my personal and sensitive information was compromised In accordance with 15 U.S.C. 1681c-2 ( a ), which provides consumers the right to request that any fraudulent information or accounts be blocked or deleted, I am requesting that all accounts associated with my name and personal information, as referenced in your records, be immediately blocked and deleted. This includes all accounts, credit inquiries, and other information tied to the breach that were not initiated by me To assist you in locating the relevant records, my information is as follows : Full Name : XXXX XXXX XXXX Social Security Number : ** XXXX Date of Birth : XX/XX/XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Phone Number : ( XXXX ) XXXX Email Address : XXXX Please confirm in writing that my request has been processed and that all fraudulent accounts have been deleted from my file, as well as any associated records linked to this breach. 
Thank you for your immediate attention to this matter. I expect a timely resolution, and I look forward to your confirmation of these actions. 

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 2025-04-03 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: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX ( XXXX ) XXXX XX/XX/XXXX Equifax Consumer Services XXXX XXXX XXXX XXXX, XXXX  XXXX Subject : Request for Blocking and Deletion of Accounts Pursuant to 15 USC 1681c-2 ( a ) Dear Equifax Consumer Services , I am writing to formally noti % l you that I am a victim of the recent data breach that occurred within your organization. As a result of this breach, my personal and sensitive information was compromised In accordance with 15 U.S.C. 1681c-2 ( a ), which provides consumers the right to request that any fraudulent information or accounts be blocked or deleted, I am requesting that all accounts associated with my name and personal information, as referenced in your records, be immediately blocked and deleted. This includes all accounts, credit inquiries, and other information tied to the breach that were not initiated by me To assist you in locating the relevant records, my information is as follows : Full Name : XXXX XXXX XXXX Social Security Number : ** XXXX Date of Birth : XX/XX/XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Phone Number : ( XXXX ) XXXX Email Address : XXXX Please confirm in writing that my request has been processed and that all fraudulent accounts have been deleted from my file, as well as any associated records linked to this breach. 
Thank you for your immediate attention to this matter. I expect a timely resolution, and I look forward to your confirmation of these actions. 

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 2025-04-03 00:00:00
Product: Debt collection — Rental debt
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: CO

Complaint narrative:
I am writing to file a complaint regarding an improper charge placed on my account by my former leasing office, which I believe is in violation of the Servicemembers Civil Relief Act ( SCRA ). 

I was serving in the U.S. military and received orders requiring me to relocate. In accordance with the SCRA, I exercised my right to terminate my lease early without penalty. I personally handed my official military orders to the leasing office staff in good faith and complied with all legal requirements. 

Years later, I discovered that I had been charged for breaking the lease. I received no notice from the leasing office that there was an issue with my documentation. They later claimed that my orders had been " lost '' and never requested a replacement copy from me. I was never contacted by phone, email, or mail to inform me of the issue or to resolve it. 
I believe this is a clear violation of the protections afforded under the SCRA, which allows servicemembers to terminate residential leases without penalty due to military orders. The financial charge placed against me is unjust, and it is now affecting my credit. 

I respectfully request your assistance in investigating this matter and helping to ensure that this leasing office is held accountable and that the charge is removed from my record. 

Thank you for your attention and support.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-03 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: HI

Complaint narrative:
Upon reviewing my credit report, I was disturbed to find accounts that I do not recognize. I never opened these accounts, yet they are appearing under my name, which is completely inaccurate and unacceptable. This misinformation is damaging my credit history, and I need immediate action to correct it.

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 2025-04-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Spring Oaks Capital, LLC
State: IL

Complaint narrative:
I recently reviewed my credit report and noticed that Spring Oaks Capital LLC is reporting two collection accounts on my XXXX and XXXX credit reports. The balances are {$530.00} ( Acct # XXXX ) and {$1300.00} ( Acct # XXXX ). I am unaware of these debts and have never received proper documentation verifying them. 
I submitted a formal debt validation letter under the FDCPA ( 15 U.S.C. 1692g and 1692e ) requesting full documentation, including a signed agreement, itemization of the debt, and proof of ownership. As of today, they have failed to comply. 
Their continued reporting of unvalidated and potentially inaccurate debt is in direct violation of the FCRA ( 15 U.S.C. 1681s-2 ) and the FDCPA. This is negatively impacting my creditworthiness

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-03 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: NY

Complaint narrative:
ACCORDING TO 15 USC 1681N ( A ) ( 1 ) ANY ACTUAL DAMAGES SUSTAINED BY THE CONSUMER AS A RESULT OF THE FAILURE OR DAMAGES OF NOT LESS THAN {$100.00} AND NOT MORE THAN {$1000.00} ; I WANT XXXX XXXX PER VIOLATION OR REMOVE ACCOUNT!

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 2025-04-03 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:
ACCORDING TO 15 USC 1681N ( A ) ( 1 ) ANY ACTUAL DAMAGES SUSTAINED BY THE CONSUMER AS A RESULT OF THE FAILURE OR DAMAGES OF NOT LESS THAN {$100.00} AND NOT MORE THAN {$1000.00} ; I WANT XXXX XXXX PER VIOLATION OR REMOVE ACCOUNT!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I open a bank account American Express which offered a bonus, either {$300.00} for travel or redeem the point to {$240.00} as cash to be deposited to my bank account. I chose to get cash. But American Express issued a form 1099-INT for {$300.00} with reason that the bonus point valued at {$300.00} even though they actually paid me {$240.00}. So now I have to pay tax on {$60.00} which I did not receive. XXXX XXXX, a supervisor I talked to, Amex did not disclose in their bonus offer nor redemption that the consumer would have to pay tax on phantom income of {$60.00}. Being a CPA, I never heard of any business issue 1099 with amounts that customers did not receive.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-03 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: IL

Complaint narrative:
I am formally disputing the following negative items on my credit report : Former : XXXX XXXX Former : XXXX XXXX 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 2025-04-03 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: IL

Complaint narrative:
I disputed with Transunion My student loan debt " DEPTEDXXXX  '' because My personal and financial data was compromised which has violated FERPA, and title IV. I requested full cancellation of my student loans. TransUnion has denied my claim and their reason was Validated and accurate However I didn't report any inaccuracies I reported a violation to my Personal information, IRS Tax records, educational records, along with financial data being shared by the department of education and the department of governmental entities. ( DOGE ). this breech constitutes a direct violation of the Family educational rights and privacy act ( FERPA ) and Title IV regulations as well as egregious violation of my personal and privacy also financial security. My legally protected records were accessed and potentially shared without my consent. so as a consumer what methods did Transunion take to deny my claim " Validated and accurate '' which doesn't suit as an result to the claim I've submitted. TransUnion does NOT properly investigate disputes and my claim is valid evidence and proof it was not take n seriously and into consideration as a consumer I was not protected, my loan agreement is invalid this breech invalidates it, this breech has caused distress, and concern.I would Like to know what did Transunion do during this investigation, who did they speak to, what time did they speak, what did they say, lastly what information did they give TransUnion which validates the confirmation my privacy and financial data hasn't been compromised.

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 2025-04-03 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: FL

Complaint narrative:
Upon calling Experian to report a new identity theft incident, I also requested that they investigate and remove an account that has been fraudulently placed on my credit as a collection. For several years, Ive provided evidence that I have never been a XXXX  customer and that the debt collectors that keep attempting to collect must remove this collection. I now have XXXX XXXX XXXX attempting to collect and have also provided them the same information and demanded they stop. Experian took the information and stated that they would contact me with the results. Upon checking weeks later, they did not remove and confirmed the account. They have not notified me and XXXX still attempts collecting despite being told not to contact me in multiple ways on multiple occasions. Ive provided FTC and police identify theft 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 2025-04-03 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: NV

Complaint narrative:
" I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about! 

"

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 2025-04-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I need your help investigating accounts from companies that have inaccurately reported late payments. After reviewing my credit report, I found certain accounts showing late payments that should not be there. There should be no late payment remarks on these accounts. Please remove these remarks and update the accounts to reflect a positive status as agreed.

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 2025-04-03 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: T.S. Holdings
State: NV

Complaint narrative:
This is regarding a debt collection attempt for XXXXXXXX XXXX XXXX XXXXXXXX XXXX, where I currently live. I moved into this apartment on XX/XX/2024. Upon my first day of moving in, I was placed in a unit without a washer/dryer, which I was promised. After three weeks, I was moved to my current apartment, unit XXXX, which has a washer and dryer. This transfer was covered by the property manager at the time, and there was no transfer fee or anything like that. 

Since XXXX, I have been receiving calls about a debt owed to XXXXXXXX XXXX XXXXXXXX XXXX, claiming I moved out and owe a move-out fee of {$2500.00}, which I do not owe. I have clarified this with the property manager, who has been saying for months that she will call corporate to get it fixed and work on it. However, it is still on my credit report. Last month, the property was sold to XXXX XXXX XXXX, so XXXX XXXX XXXX XXXXXXXX no longer owns the property. 

I need this to be removed from my credit report because I do not owe any move-out fee, as I never moved out. I still live here and continue to do so.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-03 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 have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) XXXX XXXX XXXX. I presume 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 non-monetary relief
Consumer complaint received 2025-04-03 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: DE

Complaint narrative:
I am submitting this complaint regarding an issue with my credit report that is negatively affecting my financial standing. I have made multiple attempts to resolve this matter directly with the creditor/furnisher, but they have failed to provide an adequate response. Below are the details of my complaint : 1. Charged-Off Account or Collection Account Creditor/Collection Agency Name : XXXX XXXX  Account Number : XXXX Issue : This account was charged off/placed in collections without proper notification or validation of the debt. 

I requested validation of the debt per my rights under the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ), but the creditor/collection agency failed to provide sufficient documentation. 

The reported balance and payment history contain inaccuracies that I have disputed with the credit bureaus, yet the creditor refuses to correct or remove the erroneous data. 

The account was sold to a third-party collector, yet it remains listed under the original creditor, creating duplicate reporting and unfair harm to my credit profile. 

I am requesting the immediate deletion of this inaccurate and unverifiable account from my credit report or proper documentation proving its validity. 

2. Unauthorized/Incorrect Hard Inquiry Company That Performed Inquiry : XXXX  Date of Inquiry : XX/XX/XXXX Company That Performed Inquiry : XXXX Date of Inquiry : XX/XX/XXXX Company That Performed Inquiry : XXXX Date of Inquiry : XX/XX/XXXX Issue : I did not authorize this company to pull my credit. 

No written consent or permissible purpose exists for this hard inquiry, which is a violation of the FCRA ( 15 U.S.C. 1681b ). 

Despite my dispute, the credit bureaus and the creditor have refused to remove the unauthorized inquiry. 

I am requesting the immediate removal of this hard inquiry from my credit report, as it was made without my authorization.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-03 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, Engelhardt V. Gravens ( MO ) XXXX XXXX XXXX. I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-03 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: CL Holdings LLC
State: FL

Complaint narrative:
On XX/XX/year>, Jefferson Capital LLC reported a {$1400.00} account to XXXX. I don't recognize this account ; it's a fake one.

Company response to consumer: Closed with explanation