vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-18 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: PA

Complaint narrative:
I recently reviewed my credit report, and I noticed that I have fraudulent accounts on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-18 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: MI

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: LEXISNEXIS
State: VA

Complaint narrative:
I am writing to request a security freeze on my credit report in accordance with my rights under the Fair Credit Reporting Act ( FCRA ). This freeze is necessary as I am currently disputing inaccurate information on my credit file and want to ensure the security and accuracy of my report during this process.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-18 00:00:00
Product: Debt collection — I do not know
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: CL Holdings LLC
State: TX

Complaint narrative:
I am submitting this complaint because I believe I am receiving collection attempts that may be fraudulent or improper. I have been contacted by a collection agency regarding a debt that I do not recognize and for which I have not received any valid documentation.

The collector has failed to provide clear verification of the debt, including the original creditor, the amount owed, and proof that the debt is legitimately connected to me. Despite my requests, I have not received a written validation notice as required by the Fair Debt Collection Practices Act ( FDCPA ).

Additionally, there are no collection accounts reported on my credit report, which raises further concern that this collection attempt may be inaccurate, misleading, or potentially fraudulent.

Because of these concerns, I am requesting that the CFPB investigate this matter and ensure that the collector complies with all federal requirements, including providing proper debt verification and ceasing communication until validation is provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-18 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Absolute Resolutions Corp.
State: TX

Complaint narrative:
I am filing this complaint because Absolute Resolutions Investments LLC has been reporting inaccurate and conflicting information regarding an account originally issued by XXXX ( Account # XXXX ). The account was paid in full, yet the company continues to report it as a collection/charge-off and adverse across different dates and statuses. 

For over 90 days, I have sent multiple direct disputes by certified mail. I have provided proof of payment and requested correction or reinvestigation. I have not received any response from Absolute Resolutions, and they have not corrected or updated the inaccurate data.

This violates : FCRA 623 ( a ) ( 8 ) ( E ) Furnishers must investigate direct disputes.

FCRA 607 ( b ) Credit information must meet maximum possible accuracy.

FCRA 611 ( a ) Inaccurate information must be corrected or deleted.

FDCPA 807 ( 8 ) A debt collector may not communicate false credit information.

Inaccuracies include : Multiple different last activity dates ( XXXX, XXXX, XXXX ). 

Conflicting statuses ( Charge-off, Paid for less than full balance, Closed, Collection ).

Reporting derogatory information even though the balance is {$0.00} and the debt is paid.

Reporting different data to the credit bureaus for the same account. 

Timeline : I sent dispute letters on multiple dates, including : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX These were sent via certified mail. 

I have received no written response and the reporting remains inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-18 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 submitted a formal written dispute to the credit reporting agency regarding inaccurate and/or unverifiable information appearing on my credit report. According to 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), the credit reporting agency is required to conduct a reasonable reinvestigation of the disputed items and provide the results within 30 days of receiving the dispute.

It has been over 30 days since my dispute was received, yet the agency failed to provide the required reinvestigation results or any written notice explaining a delay. This constitutes a direct violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i.

Additionally, I have reason to believe my nonpublic personal information was accessed, shared, or used without proper authorization or disclosure, in violation of the Gramm-Leach-Bliley Act ( GLBA ), 15 U.S.C. 6802, which governs obligations with respect to the disclosure of personal information. I was not provided with a clear privacy notice, nor given the option to opt out of sharing my data with third parties. This further supports my claim that my consumer rights under federal law have been violated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-18 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
This complaint is being submitted because the previous CFPB complaint was closed without Capital One providing the required documentation to verify their reporting and their claims. The issues remain unresolved. 

Capital Ones response in the prior CFPB claim did NOT provide : A signed agreement or binding contract A full accounting of the balance A copy of the judgment Proof of service from the court Chain of custody Documentation showing I received proper notice Any evidence supporting the name discrepancy they admitted exists Capital One simply stated that their attorneys confirmed they followed all laws, but did not supply ANY verifiable documents to support that statement. 

Additionally : They acknowledged the name on the account does NOT match their system.

They admitted they can not produce a signed application.

They did not provide any supporting documentation required under FCRA 623 ( a ) ( 1 ) ( A ).

They did not provide validation of the reporting accuracy.

They did not provide verification of the judgment.

The issues remain unresolved because Capital One failed to provide the documentation required to validate the account and the judgment. I am requesting : A signed agreement or legally binding contract Full accounting from account opening through charge-off Chain of custody, including dates of transfers Proof of service related to the lawsuit A copy of the judgment and docket Documentation addressing the name discrepancy Verification of the accuracy of all information being reported Capital One did not provide necessary proof and the matter remains unresolved. I am requesting the CFPB to require Capital One to fully validate the reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-18 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I request that you provide verification of this debt pursuant to Section 809 ( b ) of the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ). Please provide the following information and documentation to verify this debt : The name and address of the original creditor to whom the alleged debt is owed. The amount of the alleged debt, the date it became delinquent, and the date it was transferred to your agency. A copy of the original contract or other agreement that bears my signature. An itemized list of alleged interest, fees, and other charges. The date of the last payment made on this account. Any judgment obtained by a creditor regarding this account. If you can not provide the requested information within 30 days of the date you receive this letter, you must cease all collection activities and report this debt to the credit bureaus as disputed. Please also provide confirmation that you have removed this dispute from my credit report and provide me with a corrected credit report. Sincerely 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 2025-11-18 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: NY

Complaint narrative:
In accordance with the Fair credit Reporting Act, the following accounts listed in the attachments have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I would like to assert that no permissible purpose under 15 USC 1681b ( 2 ) has been established and under the Fair Credit Reporting Act this must be established.

15 U.S.C 6802 ( a ) A financial institution may not, directly or through any affiliate, disclose to a non affiliated third party any nonpublic personal information. 15 U.S.C 6802 ( b ) ( 1 ) A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is gi
ven an explanation of how the consumer can exercise that nondisclosure option.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C section 604 A Section 2 : States a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than 7 years.

15 U.S.C 1666b ( a ) Time to make payments, A credit may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose 15 U.S.C 1681s-2 ( a ) ( 1 ) 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.

15 U.S. Code 1681i ) : You have the right to dispute any information on your credit report that is inaccurate, incomplete, outdated, or unverifiable.

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 2025-11-18 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: AK

Complaint narrative:
ATTN : TRANSUNION EQUIFAX XXXX  YOUR FEDERAL TRADED COMPANY IS IN VIOLATION OF NOT REPORTING ACCURATE DATA. 
ACCORDANCE TO TITLE 15 USC 6801 ( XXXX ) PROTECTIONOF NON PUBLIC INFORMATION I NEVER GAVE WRITTEN CONSENT TO HAVE THESE UNAUTHORIZED SPECIAL PURPOSE VEHICLE TRUST ACCOUNTS TO BE FURNISHED ON MY CONSUMER REPORTS. ALSO INACCURATE DATA VIOLATION USC 1681G ( XXXX XXXX XXXX XXXX XXXX XXXX ) disclosures to consumers ALSO INACCURATE DATA VIOLATION USC 6802 OBLIGATIONS WITH RESPECT TO DISCLOSURE OF PERSONAL INFORMATION AND USC 6803 DISCLOSURES OF INSITUTION PRIVACY POLICY USC 1692G, 1681eb USC 1635 THE INACCURATE ALLEGED ACCOUNTS READS : XXXX XXXX XXXXXXXX, XXXX XXXX XXXX, XXXX XXXX : XXXX XXXX XXXX, XXXX, XXXX XXXX XXXXXXXX, XXXX XXXX XXXX. PLEASE REMOVE INACCURATE ALLEGED ACCTS FROM MY CONSUMER REPORTS. THIS A CLEAR VIOLATION FCRA XXXX XXXX XXXX. THIS FRAUD USC 1028 AGGRAVATED IDENTIY THEFT, XXXX XXXX, INACCURATE DELETE THANKS SIR XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-18 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: FL

Complaint narrative:
Im writing because there is an account showing up on my credit report that is completely unfamiliar to me. I have no knowledge of this account, never opened it, never authorized it, and have no connection to it whatsoever. Simply put it does not belong to me.

This appears to be a case of mixed or misreported credit data, and its not just frustrating its damaging. I work hard to maintain my credit, and having someone elses account falsely tied to my name is completely unacceptable. I want to be absolutely clear : this is not my debt, not my account, and not my responsibility. 

You are required under the Fair Credit Reporting Act ( FCRA ) to ensure that all information reported is completely accurate and verifiably associated with the correct consumer. In this case, that standard is clearly not being met. This is a violation of my rights, and I wont accept inaccurate data remaining on my file for even XXXX day longer than necessary.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-18 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:
I am formally disputing the accounts and inquiries listed below due to the TransUnion data breach, which has resulted in unverifiable and compromised information appearing on my credit file. Under the Fair Credit Reporting Act ( FCRA ) Sections 602A, 607 ( b ), and 611, TransUnion is required to report only accurate, fully verifiable information and must remove any data that can not be confirmed as accurate.

Because the data breach compromised my personal identifying information, I am demanding an immediate reinvestigation and deletion of all accounts and inquiries that can not be 100 % verified as belonging to me. 
Accounts in Dispute Due to Data Breach Account Name : XXXX  XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX Balance : {$240.00} Account Name : XXXX  XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX Balance : {$0.00} Account Name : XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX Balance : {$0.00} Account Name : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Opened : XX/XX/XXXX Balance : {$390.00} Account Name XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX Balance : {$1100.00} Account Name : XXXX  XXXX Account Number XXXX XXXX XXXX XXXX XXXX XXXX  Opened : XX/XX/XXXX Balance : {$430.00} INQUIRIES : XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/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 2025-11-18 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: Paramount GR Holdings, LLC
State: TX

Complaint narrative:
I am filing a complaint regarding my solar loan with GoodLeap/LoanPal  ( Loan Agreement # XXXX ). 

My solar installation contractor, XXXX  XXXX XXXX, went out of business shortly after receiving full payment from GoodLeap. Because they are no longer in operation, I have been left without the ability to obtain service, support, warranty assistance, or completion of work.

GoodLeap funded th

e contractor despite the contractor failing to meet their obligations under the Home Improvement Agreement, which is attached to the loan contract. Under the FTC Holder Rule clause included in my Loan Ag reement, GoodLeap, as the holder of this consumer credit contract, is subject to all claims and defenses I could assert against the contractor. The contr
actor materially breached the agreement by : Going out of business Failing to provide warranty support Failing to provide post-installation service or maintenance Leaving me without the ability to maintain or repair the system

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in 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
Consumer complaint received 2025-11-18 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
XXXX a unknown individual open a charge account using my name with a credit limit of {$5000.00} with an high balance of {$4900.00} charge to this account The XXXX XXXX # XXXX.... 
XXXX XXXX XXXX XXXX, XXXX XXXX, SD XXXX ( XXXX ) XXXX This is call Identity Theft report to XXXX  XXXX XXXX XXXX XXXX PA 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 2025-11-18 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: TX

Complaint narrative:
I am an active-duty servicemember filing a complaint because Columbia Debt Recovery LLC ( Genesis ) is attempting to collect and report a rental debt that is unlawful under the Servicemembers Civil Relief Act ( SCRA ), 50 U.S.C. 3955. 

I properly terminated my lease at XXXX XXXX XXXX in XXXX XXXX, TX due to PCS orders. I provided my orders to the property management before moving out. Under SCRA 3955, once PCS orders are delivered, the landlord can not charge reletting fees, penalties, or additional rent after the SCRA termination date. 

Despite this, XXXX XXXX XXXX charged me : an illegal reletting fee additional rent after the SCRA termination window other improper charges These charges violate SCRA and make the debt invalid and not owed.

Columbia Debt Recovery ( Genesis ) placed this unlawful balance into collections and is reporting it to the credit burea
us. I disputed the account and requested debt validation, including itemized charges and proof of SCRA compliance. They did not provide validation and instead sent me a settlement offer, even though the debt is in active dispute. This violates FDCPA 1692g.

Genesis is attempting to collect an illegal debt and damaging my credit with a balance that should be {$0.00} under federal law. 

I am requesting CFPB assistance to stop the unlawful collection and correct the credit reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-18 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: LA

Complaint narrative:
Pursuant to 15 U.S. Code 1681s2 inaccurately reporting All the information I know about this purported late payment is included in the account name and number mentioned above. Because I know you reported this inaccuracy on my credit report, you must have all the information or proof you need to investigate and fix this reporting error. If this is not the case, you must amend the erroneous data reporting.

As consumer I have right to know that this account is verified and reporting accurately. Mail me at my current address the WRITTEN NOTICE that this account is verified as prescribed by 15 U.S. Code 1692 g ( a ) ( 4 ). I want you to include the following information : 1. A detailed and itemized statement of ALL activity to this account, including the contract I must have allegedly signed to bind
me to this debt.

2. The photo identification I must have provided at the time of starting services with you in order for you to assure that this was not an attempt of someone else to commit a fraud against me ( you do take these precautions, correct? ).

3. A full file disclosure.

4. An itemized statement breaking down the balance you claim I owe.

5. Any other documentation you must have in order to truthfully make a notarized statement on your letterhead, attesting to your compliance of the FCBA.

IF YOU CAN NOT PROVIDE the requested written correspondence, I DEMAND YOU TO DELETE THE NEGATIVE MARKS you have reported to my consumer report within the timely manner prescribed by law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-18 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: FL

Complaint narrative:
My consumer file contains multiple accounts, inquiries, and records that are inaccurate, outdated, or unverifiable in violation of FCRA 602, 605 ( a ), 607 ( b ), and 611 ( a ). These inaccuracies have caused significant harm to my creditworthiness and its really frustrating.

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