vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
This complaint serves as final notice of my dispute regarding the inaccurate late payment reporting on my credit file and your agencys ongoing failure to comply with the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq.

Despite previous disputes, you have continued reporting this derogatory information without providing any documentation to support its validity. A generic 'verified ' response does not satisfy the legal requirement to perform a reasonable reinvestigation under FCRA 1681i.

You are also in violation of FCRA 1681e ( b ) which requires that you ensure the maximum possible accuracy of the information you report. Your failure to remove unverifiable data and your refusal to produce original documentation demonstrates willful noncompliance. 
You now have 30 days from the date of this letter to provide the following : - Full and complete documentation from the original creditor validating the alleged late payment ; - A detailed explanation of the reinvestigation process and verification methods ; - Immediate deletion of the disputed item if it can not be 100 % verified with original, substantive evidence. 
In support of my position, I refer you to the most recent enforcement actions by the Consumer Financial Protection Bureau ( CFPB ) against major credit reporting agencies : - In XX/XX/year>, the CFPB sued TransUnion for failing to properly investigate consumer disputes and continuing to report inaccurate data. 

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 non-monetary relief
Consumer complaint received 2025-05-20 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: CA

Complaint narrative:
Hi my name is XXXX XXXX and this is your * * final and non-negotiable * * demand to * * immediately * * delete all inaccurate information from my credit report. Your actions are not only a blatant violation of federal law, but they are also an intolerable assault on my rights as a consumer. 

* * Pursuant to 15 U.S.C. 1681b * *, you are illegally reporting and sharing my personal information without my explicit authorization.

* * You do not have my consent, and you have never had my consent * * to access or report any information tied to my name. Your unlawful actions are an egregious breach of federal law, and I will no longer tolerate it.Additionally, my credit report contains * * unauthorized inquiries * * that I did not initiate, which makes me a * * victim of identity theft * *.

* * Under 18 U.S.C. 8 * *, I owe * * absolutely no debt * * to the companies listed. Your failure to delete these inaccuracies immediately will result in * * severe legal consequences * *. I will * * not hesitate * * to pursue every available legal avenue to hold you accountable, including but not limited to : 1. Filing formal complaints with the * * Federal Trade Commission ( FTC ) * * and the * * Consumer Financial Protection Bureau ( CFPB ) * *.

2. Initiating civil lawsuits for violations of my rights under the * * Fair Credit Reporting Act ( FCRA ) * *.

3. Seeking * * statutory and punitive damages * * for your gross negligence and failure to comply with federal law.

You are hereby notified that you have * * no further opportunity * * to delay or ignore this matter. I * * demand * * that all incorrect entries and unauthorized inquiries be deleted * * immediately * * and * * permanently * *. This is your * * final warning * *, and I expect * * written confirmation * * of the deletions without delay.If I do not receive confirmation of the deletions within the next 10 business days, I will proceed with full legal action, which will result in * * significant consequences * * for your continued disregard of federal law.

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 2025-05-20 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: AL

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
i did not authorize my XXXX  to be on my account. i received notification that it was verified but i reached out to the courts where i filed and they stated that they never released my information to anyone to do so. also the collection account on my credit report i had no knowledge of or received any notification of this debt. i am requesting that both be removed from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-20 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: CA

Complaint narrative:
This complaint is filed pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681e ( b ), 1681i, and 1681s-2. Equifax is reporting charge-off and collection accounts that are inaccurate, incomplete, and unverifiable. Several accounts have been marked as deleted on my credit file, yet Equifax simultaneously blocks further disputes and instructs me to contact the furnisher, creating a contradictory and misleading reporting practice. This violates 15 U.S.C. 1681i ( a ), which requires a proper reinvestigation and written notice, and 15 U.S.C. 1681e ( b ), which mandates maximum possible accuracy.

Furnisher don't have legal proof, you are to delete if can not verify all collections are illegal I have never consented, all charge off are to be deleted at zero balance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-20 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: FL

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Kikoff Inc.
State: NY

Complaint narrative:
I am disputing a charged-off account from Kikoff Lending LLC that appears on my Experian credit report. The account shows a total balance of {$50.00}, with {$30.00} past due. The last payment was reported on XX/XX/XXXX, and the account was marked as charged off in XX/XX/XXXX. 

I formally disputed this account on XX/XX/XXXX, and requested documentation to validate the debt, including a breakdown of the balance, a charge-off notice, and proof of delinquency. To date, I have received no response, documentation, or investigation results from Kikoff Lending. 

This reporting is misleading and appears to be inaccurate. The charge-off status is disproportionate to the small balance and lacks supporting documentation. Additionally, the delay between the last payment and the charge-off date raises concerns about improper re-aging or inaccurate status reporting. 

Because Kikoff Lending has failed to validate the debt or substantiate its reporting, I am requesting that this account be deleted from my credit file.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-20 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: GA

Complaint narrative:
I am reporting Experian for willfully and negligently violating the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and FTC Identity Theft Guidelines. Despite submitting over 20 disputes, Experian has refused to remove false information tied to identity theftincluding an address Ive never lived at ( first reported around XXXX ), fraudulent accounts, and damaging payment history data. 

Experian continues to list the address XXXX XXXX XXXX XXXX XXXX, GA XXXX, which I never lived at or claimed to live at. This address is being used to fraudulently associate multiple accounts with my credit profile. Experian also requested unnecessary documentation, such as a letter from a director of a temporary residence, which is not legally required under FCRA 605B and violates FTC guidance.

Multiple derogatory and identity theft-related accounts remain on my report, including : XXXX XXXX XXXX XXXX : Charged off with {$6200.00} past due, with 28 months of late payment history. XXXX reported XX/XX/XXXX. 

XXXX XXXX : Fraudulently opened and charged off for {$8800.00}, showing XXXX months of late payments and listed as purchased by another lender. 

XXXX : Account closed by credit grantor in XX/XX/XXXX. I submitted a consumer statement that I have no knowledge of this account. 

XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX. Shows 4 months of late payments and 165 % utilization, with a {$490.00} balance on a {$300.00} limit. 

XXXX : XXXX XXXX student loan accounts with duplicated balances, terms, and payment history, inflating my total debt and reducing my score. 

Utilization rates are falsely reported as 121 % and 165 %, even though the combined credit limit was {$410.00} and the reported credit usage was {$490.00}. This error caused my FICO scores to drop across all reported models ( e.g., XXXX, XXXX, XXXX, etc. ). 

Experian failed to mark many disputed accounts as disputed under FCRA 611 ( b ) and failed to block identity theft-related items under 605B, despite my active fraud alert filed on XX/XX/XXXX. 

I contacted Experian by email on XX/XX/XXXX, in response to their refusal to remove the disputed address. The email inaccurately claims I said I temporarily lived therewhich is false. Their refusal to act constitutes illegal stalling of the dispute process. 

I am requesting full deletion of all disputed and fraudulent accounts, removal of the false address, correction of credit utilization errors, and proper application of federal identity theft and dispute protections. This has severely impacted my creditworthiness and financial standing.

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 2025-05-20 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: MO

Complaint narrative:
I am writing to inform you that my Social Security number was compromised due to a data breach. As a result, fraudulent accounts and inaccurate information have been reported on my credit file. I have submitted a formal complaint to the Federal Trade Commission, and a copy of that complaint is enclosed for your reference. 

I am aware that some consumer reporting agencies may delay or dismiss dispute requests based on the assumption that they were prepared with assistance from a third party, such as a credit repair organization. However, the Fair Credit Reporting Act ( FCRA ) clearly affirms every consumers right to seek assistance in exercising their legal rights. The use of authorized support does not constitute a valid basis to delay or deny a legitimate dispute. 

Please be advised that all correspondence submitted under my name was prepared with my full knowledge and authorizationwhether drafted by me personally or with the help of individuals acting on my behalf. Any undue delay or failure to investigate and correct the disputed information in accordance with the FCRA will be regarded as a willful violation of my rights under federal law. 

I respectfully urge you to process this request promptly and in full compliance with all applicable legal obligations.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-20 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:
This COMPLAINT serves as a formal follow-up to my previous complaint submitted last month regarding inaccurate and damaging information being reported on my credit file. I am requesting your immediate assistance in launching a formal investigation into the reporting of a late payment that I categorically deny. 
I have never been late on the account ( s ) in question. I have always made my payments on time and have maintained a responsible credit history. The inclusion of any late payment ( s ) on my credit report is inaccurate and a clear reporting error, either by your agency or the original creditor.

This inaccurate information is causing me significant distress and has already resulted in a wrongful denial of credit, which was not only financially damaging but personally embarrassing. As you are no doubt aware, credit bureaus are legally obligated to ensure the accuracy of consumer data under the Fair Credit Reporting Act ( FCRA ). 

ACCOUNT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$10.00} Date Opened : XX/XX/XXXX  Under 15 U.S. Code 1681 ( a ) : ( 1 ) The banking system depends on accurate and fair credit reporting. Errors disrupt system efficiency and damage consumer trust. 
( 3 ) Consumer reporting agencies have a critical duty to properly assemble and evaluate information on consumers.

Given that the reported late payment is erroneous, I am formally requesting that : A full reinvestigation of this item be conducted in accordance with the FCRA. 
The inaccurate late payment entry be permanently removed from my credit report. 
My credit file be updated to reflect my accurate payment history. 
Please consider this a formal dispute under the FCRA. I respectfully request that you provide written confirmation once this error has been investigated and removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-20 00:00:00
Product: Debt collection — Other debt
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: MS

Complaint narrative:
I am formally disputing the debt claim made by XXXX XXXX and the actions taken by XXXX XXXX XXXX. 

On XX/XX/XXXX, I paid the full balance of {$94.00} that was due to XXXX XXXX prior to moving out. I moved out early, left the unit in good condition, and at no point was I notifiedby email, phone, or written mailof any damages, outstanding charges, or additional placement fees. As of today, XX/XX/XXXX, I have not received any legitimate communication or documentation from XXXX XXXX regarding this matter. They have failed to notify me of any new charges or provide any proof of debt. 

Furthermore, XXXX XXXX XXXX has attempted to collect the same {$94.00} payment twice, even though it was already confirmed and paid. These repeated attempts to charge me again for the same payment are inaccurate and unacceptable. No new documentation or evidence has been provided to justify these actions. 

This behavior appears to be part of a recurring pattern of mismanagement and unfounded charges, and I will not accept it.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
This complaint is in regard to Trans Union LLC failure to properly verify, correct, or remove inaccurate, outdated, and unsubstantiated information on my consumer report. Despite a formal dispute submitted, Trans Union LLC has continued to report : Incorrect personal information, including : Name : XXXX XXXX XXXX instead of XXXX XXXX ( disputed ) Addresses : XXXX XXXX XXXX XXXX MT XXXX, TN XXXX which are no longer valid public records with no proper method of verification provided : XXXX  XXXX bankruptcy Reference number XXXX that lacks permissible purpose under 15 U.S.C. 1681b, and Trans Union LLC has not removed or justified it. My original letter requested tangible, verifiable evidence confirming the legitimacy of each item in accordance with : FCRA 611 ( 15 U.S.C. 1681i ) FCRA 604 ( 15 U.S.C. 1681b ) XXXX XXXX and XXXX compliance standards Trans Union LLC has not provided a timely response or documentation validating the continued reporting of any of these items. Their failure to correct or remove the information within the required 30-day period after my dispute constitutes willful noncompliance and violates FCRA 1681e ( b ), 1681i ( a ) ( 1 ), and 1681i ( a ) ( 5 ).

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 2025-05-20 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: CA

Complaint narrative:
Good day, I am submitting a complaint to inform you that I have fallen victim to identity theft. Following the guidelines outlined in the Fair Credit Reporting Act ( FCRA ) Section 605b, I have reported the incident to the Federal Trade Commission ( FTC ) through their website at XXXX : XXXX. According to the FCRA, Credit Reporting Agencies are mandated to investigate any items listed on an identity theft report. Please refer to the attached documents, which will assist in the investigation of the erroneous information currently being posted on my credit report. The following items do not belong to me or were opened without my permission. 
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 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 non-monetary relief
Consumer complaint received 2025-05-20 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: NY

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion, Experian, Equifax credit reporting agency , remove information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX BALANCED {$9100.00} XXXX XXXX BALANCED {$490.00} These accounts have resulted in several fraudulent and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the accounts in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent accounts. I do not recognize the aforementioned accounts as reported. The aforementioned accounts appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts 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 are the result of identity theft and fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-20 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting Act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 15 U.S.C. 1681, section 602 ( A ), states that I have the right to privacy.

15 U.S.C. 1681, section 604 ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction.

15 U.S.C. 1681c ( a ) ( 5 ), section states : No consumer reporting agency may include in any consumer report any adverse item of information, other than records of convictions of crimes, which antedates the report by more than XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) states : A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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