vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-26 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I am disputing the fraudulent accounts currently reported in my credit file. I have never applied for, opened, or authorized these accounts, and their presence is both inaccurate and harmful. The reporting of these false accounts has caused significant damage to my financial standing and misrepresents my true credit history.

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 2025-09-26 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: CA

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-26 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
The fraudulent accounts currently listed on my credit report are false, unauthorized, and damaging to my creditworthiness. At no point did I authorize or establish these accounts, and their presence represents a fundamental violation of the obligation to ensure accurate reporting.

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 2025-09-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO.
State: NH

Complaint narrative:
New cards were issued after a fraud attempt. Merchants have access, but I the customer- have been denied the same info. Chase customer service today says it can not help. XXXX This is a policy issue, not technical one. I know they can do it. 
Chase XXXX. XXXX card is what is in question. 
Card issued XX/XX/year> Merchant access : ,same day. 
Client access : denied.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-26 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: EQUIFAX, INC.
State: TX

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-26 00:00:00
Product: Prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Google Compare Credit Cards Inc.
State: TX

Complaint narrative:
On XXXX XXXX I purchased a {$75.00} Google XXXX gift card, and had no issues adding the funds to my account. When I got home I was able to make a single purchase, and since then I keep getting an error message that says 'Your funds can only be spent in the United States . '' Despite the fact I am in the United States and have been forever. When I contacted Google customer service, they said the issue was with their technical " experts '' and I had to wait on their response. A couple hours later I was informed that they refused to help due to unexplained " inconsistencies '' in my account, despite providing them photos of the gift card, the gift card receipt, and all the error messages I received. When I asked about escalating to a higher level rep, I was told that would be impossible because thy have the same information and could not do anything for me. Essentially Google currently has a total of over {$100.00} of my money sitting in my account that they are refusing to allow me to access, and are providing no information or explanation.

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 2025-09-26 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: GA

Complaint narrative:
This submission serves both as a complaint and an official request for debt validation to ColumbiaDebtRecovery, facilitated through the CFPB platform. I have attached a letter that outlines the specific documents needed to validate the alleged debt under FDCPA guidelines. These documents include the original signed contract, proof of ownership or assignment of the debt, and a detailed breakdown of how the amount was calculated. 
My intent in submitting this through the CFPB is to ensure that my request is properly delivered, documented, and that ColumbiaDebtRecovery is required to provide a timely and lawful response.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-26 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: AZ

Complaint narrative:
RE : You Violated the United States XXXX XXXX XXXX XXXX. XXXX ( c ) ( XXXX ) ( A ) ( B ) ( i ) ( XXXX ) FURNISHING reports in connection with credit or insurance transactions that are not initiated by consumer. 
After pulling a copy of my Consumer credit report I noticed that your agency is in multiple violations and Im entitled to monetary compensation under FCRA 15 U.S. Code 1681s2 - 15 U.S.C.

1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) FURNISHING reports in connection with credit or insurance transactions that are not initiated by consumer ( Inquires ) - ( 1 ) In general A consumer reporting agency may furnish a consumer report relating to any consumer pursuant to subparagraph ( A ) or ( C ) of subsection ( a ) ( 3 ) in connection with any credit or insurance transaction that is not initiated by the consumer only if ( A ) the consumer authorizes the agency to provide such report to such person or ( B ) ( i ) the transaction consists of a firm offer of credit or insurance. 
( 3 ) INFORMATION regarding inquiries Except as provided in section 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer.

Under FCRA 15 U.S. Code 1681n ( b ) ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ( 2 ) such number of punitive damages as the court may allow. 
I did not initiate any of these inquires furthermore if you feel like I did please send me copies of my written signature giving consent to this matter please. 
The items below should all be removed from my consumer report under 15 US Code 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ). 
XXXX XXXX - XX/XX/year>- the inquiry was not authorized. 
XXXX XXXX - XX/XX/year>- the inquiry was not authorized.

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 2025-09-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: MARINER FINANCE, LLC
State: TN

Complaint narrative:
Issue : Mariner Finance , LLC is furnishing a Regency Finance account on my credit reports. This account is inaccurate and unverifiable. 

Facts : I never received notice of assignment, sale, or transfer from Regency Finance to Mariner Finance.

Mariner has not provided any validation proving ownership or legal authority to report this account.

The account appears to have been re-aged after being charged off in XXXX by Regency, right before merging with Mariner, which unlawfully extends its reporting period.

Despite the above, Mariner continues to furnish the tradeline, in violation of the FCRA. 

Violations : FCRA 623 ( a ) ( 1 ) ( A ) : Furnishing information with knowledge or reason to know it is inaccurate.

FCRA 623 ( a ) ( 3 ) : Failing to report the account as disputed after notice.

FCRA 623 ( b ) : Failing to conduct a reasonable investigation after disputes.

Possible FDCPA 809 ( b ) : Continuing collection activity without validation, if Mariner is acting as collector.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-26 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: NC

Complaint narrative:
I am writing to advise that I am a victim of trafficking. For your convenience and reference, I have attached supporting documents that substantiate my claim. The information listed below, that is currently listed on my credit report is a result of that trafficking. 
ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$110.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$150.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX - {$2800.00} INQUIRIES : XXXXXXXX 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 2025-09-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
I did not authorize this inquiry, and I had no communication with the lender on that date.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-26 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: NC

Complaint narrative:
The reporting of this Inquiries/charge-off/collection account is inaccurate, incomplete, and unverifiable. The furnisher has failed to provide legally required documentation proving the validity of the debt, the amount claimed, or my liability for it. Continuing to report unverifiable and inaccurate information on my credit file is a direct violation of the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and my consumer rights. This account is being reported in a manner that is misleading and damaging to my creditworthiness, and I dispute its accuracy in its entirety.

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 2025-09-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CITIBANK, N.A.
State: NC

Complaint narrative:
I have notice a hard inquiry was made on my credit report, I reach out to XXXX XXXX  to dispute it. attempting to have it remove, I even ask for their telephone number. Unfortunately they did not have their number. I was hoping to get some information rather or not a credit card was open under my name. The inquiry occur on XX/XX/2024 this has negatively effected my credit report, XXXX was the name appear on the 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 2025-09-26 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: CA

Complaint narrative:
To Whom It May Concern, I am filing this formal complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding multiple inaccuracies, false reporting, and unauthorized activity being reported on my credit profile by the credit reporting agencies. These issues have caused severe harm to my financial reputation, denial of credit opportunities, and unnecessary stress. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., I have the right to accurate, fair, and verified reporting of my credit history. I am demanding a thorough investigation and immediate corrective action on the following items : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Wrong Address I have never resided at this address, nor have I ever authorized its association with my credit profile. This incorrect address is misleading and can be used fraudulently, exposing me to identity theft risks. I request that this address be immediately removed from all reporting agencies. 
XXXX XXXX High Balance : {$60.00} Date Opened : XX/XX/year> Late Payment I have never made late payments on this account. The reporting of late payment status is false and damaging to my credit profile. I request immediate correction to accurately reflect my payment history in compliance with FCRA 1681s-2 ( b ).

Conclusion and Demand for Action I request that the CFPB require the credit reporting agencies and furnishers to comply with federal law by correcting or deleting these inaccurate items. Wrong addresses must be deleted, false late payment histories must be corrected, and all unauthorized inquiries must be removed immediately.

If these violations are not corrected within the required 30-day investigation period under FCRA 611, I reserve my right to pursue further action, including escalation to the Federal Trade Commission ( FTC ) , state Attorney General, and possible civil litigation for damages under FCRA 616 and 617. 
I expect a written confirmation of the results of your investigation and the corrective action taken.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-26 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: FL

Complaint narrative:
Given my history of timely payments, this late mark is inaccurate and unfair. Please remove it and correct my account accordingly.

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 2025-09-26 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: GA

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXX XXXX XXXX Account 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 2025-09-26 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
Tried to use the card online XXXX and card declined multiple times. XX/XX/year> tried to use physical card that I requested since ecard did not work ( and they charged me a fee for a physical card taking from the balance that was due me ) Card was declined at XXXX hardware the service department and the store manager tried to help with using the equifax settlement card and it declined multiple times. Same day tried to use card at XXXX declined multiple times. Tried to use the card again XX/XX/year> at XXXX it declined multiple times. It is bad enough that equifax let our information be stolen and I had identify theft committed against me and to put people through this in trying to use the settlement card is unexceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-26 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: GA

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.

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 2025-09-26 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: SC

Complaint narrative:
I am writing to dispute the following inaccurate and unverifiable information on my credit report. I have attached copies of document and request letter to support my claim.

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 2025-09-26 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: FL

Complaint narrative:
I am filing a complaint against XXXX XXXX XXXX for inaccurate and harmful credit reporting. 



In XX/XX/XXXX, I financed a vehicle through XXXX. In XXXX, the vehicle was involved in a total-loss accident. At the time, I had full coverage insurance through XXXX and XXXX XXXX  XXXX. XXXX promptly issued their payment toward the loan, and my Gap insurance provider took months to release their payment and ultimately did not cover the full balance. 



Despite this, XXXX has reported XXXX late payments on my credit file and has charged off the account with a balance of {$4200.00}. The attached credit report shows XXXX marking me late month after month, even while the insurance claims were pending and payments were being processed. This reporting is factually inaccurate and misleading because the delays were caused by insurance processing not by any neglect or refusal to pay on my part.

Under the Fair Credit Reporting Act ( FCRA ) 1681s-2 ( a ), furnishers of information are required to report accurate information. Reporting 29 late payments in this situation is inaccurate and harmful. I also have the right under FCRA 611 ( 15 U.S.C. 1681i ) to dispute and demand reinvestigation of this account.

This false reporting has severely damaged my credit profile, leaving me unable to obtain approval for basic credit needs. I am requesting the immediate deletion of the 29 late payments and correction of this account to reflect accurate payment status, as I maintained full insurance and XXXX XXXX 



I have attached : My credit reports showing the repeated late payments and charge-off, Documentation from XXXX regarding their payout, Documentation showing Gap insurances delayed and partial payment, Accident/total loss paperwork. 




I request that XXXX correct this reporting immediately and that the credit bureaus ( XXXX, XXXX, TransUnion ) update their files to remove these inaccurate late payments.

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