vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-06 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 no affiliation with these accounts and suspect them to be fraudulent. I request a comprehensive investigation and their immediate removal from my credit report. Enclosed are supporting documents.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: Maximus Federal Services, Inc.
State: CA

Complaint narrative:
I am writing to formally dispute and request the full discharge of all outstanding federal student loan debts associated with my name and Social Security number, including any data and obligations arising from my XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX ) and associated loan agreements. 
This legal request is submitted under the authority of the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ], the Privacy Act of XXXX XXXX XXXX XXXX XXXX ], and the XXXX XXXX to Repayment regulations [ XXXX CFR XXXX, XXXX ]. It is based on multiple, well-documented grounds, including : Unauthorized access, misuse, and denial of access to my personal and educational information ; Deceptive, discriminatory, and misleading conduct by the institution ; Fraudulent enrollment practices and material misrepresentations ; A refusal to provide educational records in direct violation of XXXX. 



I. Violations of XXXX and the Privacy Act of XXXX  It has come to my attention that my personally identifiable information ( PII ) including educational, financial, and XXXX data was accessed, used, or disclosed without my informed consent. I did not authorize the sharing or misuse of my financial aid application data with XXXX XXXX  or other entities beyond its original purpose. This unauthorized access is a clear breach of both XXXX and the Privacy Act. 
Additionally, I have formally requested access to my academic records, internal communications, and student file as is my right under XXXX. The institution refused to provide these records, further violating federal law and obstructing my ability to defend myself or assess the full scope of institutional misconduct. 
These acts have placed me at risk of identity theft, emotional distress, and financial harm, all while breaching my federal protections.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-06 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:
" I am disputing inaccurate late payment information reported by XXXX XXXX XXXX XXXX account number XXXX. The payments reported as late on XX/XX/year> were in fact made on time. Please investigate this matter thoroughly and update my credit file to reflect accurate on-time payment 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 non-monetary relief
Consumer complaint received 2025-06-06 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: FL

Complaint narrative:
" I am disputing inaccurate late payment information reported by XXXX XXXX XXXX XXXX account number XXXX. The payments reported as late on XX/XX/year> were in fact made on time. Please investigate this matter thoroughly and update my credit file to reflect accurate on-time payment history. ''

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am writing to inform you that I have recently become a victim of a data breach that has compromised my personal information. This incident has caused me significant concern regarding the security of my sensitive data. Data breach has led to fraudulent accounts and debts being created in my name. I would appreciate it if you could consider this situation while reviewing my credit report and take the appropriate actions to correct any inaccuracies or fraudulent activities.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-06 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have revoked all data sharing and reporting rights from the following entities under FCRA and GLBA : They continue to store, share, and report my personal data without consent. See list below Transunion 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 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 2025-06-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: NCB Management Services Inc.
State: TX

Complaint narrative:
I am writing to formally dispute a charged-off account being reported by NCB Management Services . This account does not belong to me, and I have no knowledge or record of ever opening this account with NCB Management Services. 

I previously disputed this account with XXXX, XXXX, and XXXX. XXXX and XXXX  have failed to remove the inaccurate information, despite my claim that the account is not mine. This continued reporting is significantly harming my credit and financial well-being. 

Under the Fair Credit Reporting Act ( FCRA ) I am requesting a thorough investigation into this matter and removal of the fraudulent or inaccurate information from my credit file. if necessary, I am willing to provide additional documentation to support my identity and that this account is not associated with me. 

I respectfully ask that NCB Management Services and credit bureaus take immediate action to correct this error and provide me with confirmation of the account 's removal.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-06 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 disputing a collection account being reported by Columbia Debt Recovery ( Genesis Credit Management LLC ) for {$8500.00} related to a lease from XXXX. The original property was XXXX XXXXXXXX XXXX ( now XXXX ). This debt stems from a landlord-tenant dispute that was resolved in court under case # XXXX in XXXX XXXX XXXX CO. 

The court granted the landlord possession of the apartment, but no monetary judgment was entered. The case was closed on XX/XX/year>, and no financial liability was adjudicated. Despite this, a collection agency is reporting a large balance, without providing any itemized breakdown, photos, receipts, or legal proof that I owe the alleged amount. 

I have disputed this with the credit bureaus and requested validation directly from the collection agency. They have failed to substantiate the debt or provide legal grounds for the charges. I am requesting that the CFPB investigate and assist in removing this inaccurate tradeline from my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-07 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: UT

Complaint narrative:
I am submitting this complaint to request immediate intervention due to serious violations of the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), and Truth in Lending Act ( TILA ) by Equifax Information Services LLC. Despite previous requests for correction, these violations continue to negatively impact my credit report and financial standing. 
Details of the Complaint : XXXX. Failure to Ensure Maximum Possible Accuracy The FCRA requires that credit bureaus and creditors ensure the accuracy of the information they report. My credit report contains inaccurate entries from 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 that remain unverified despite formal disputes, causing significant harm to my credit score and credibility. Previous attempts to address these inaccuracies have been inadequately handled, demonstrating a failure to uphold FCRA standards for accuracy. 

XXXX. Inadequate Investigation and Reliance on Automated Verification Systems Under FCRA, 15 U.S.C. 1681i ( a ) ( 7 ) and 1681s-2, creditors and credit bureaus must conduct thorough investigations of disputed information. However, my previous disputes have been met with automated responses through systems like e-OSCAR, which fail to meet legal requirements for a complete investigation. This approach neglects a comprehensive review of the disputed entries, perpetuating inaccurate information on my report.

3. Non-Compliance with Truth in Lending Act ( TILA ) Requirements As outlined in TILA, creditors must issue clear and accurate billing statements and disclose essential account information to consumers. XXXX  XXXX XXXX has not adhered to TILA requirements in handling my account, resulting in erroneous charges and inaccurate reporting. This failure to comply with XXXX has compounded the inaccuracies on my credit report, further violating my rights as a consumer. 
XXXX. Violation of FDCPA Standards for Accuracy and Non-Deceptive Practices The FDCPA mandates that debt collectors and furnishers of information must report accurate, verifiable data. The accounts in question have been repeatedly reported inaccurately, with misleading information that has not been corrected despite my disputes, constituting a violation of FDCPA protections.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
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 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 2025-06-06 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:
This formal complaint concerns unauthorized inquiries appearing on my credit report, made without my consent and lacking a permissible purpose under the Fair Credit Reporting Act ( FCRA ). These inquiries are negatively impacting my credit profile and do not meet the FCRAs requirements for accessing a consumers credit report without express authorization. 
Details of Disputed Inquiries : The following inquiries are disputed, as verified by the creditors, who confirmed they were conducted without my knowledge or authorization : Creditor Name : XXXX  T R A N S U N I O N Date of Inquiry : XX/XX/XXXX Creditor Name : XXXX XXXX Date of Inquiry : XX/XX/XXXX Creditor Name : XXXX  Date of Inquiry : XX/XX/XXXX Creditor Name : XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX Creditor Name : XXXX XXXX  Date of Inquiry : XX/XX/XXXX Creditor Name : XXXX XXXX Date of Inquiry : XX/XX/XXXX Creditor Name : XXXX  Date of Inquiry : XX/XX/XXXX Legal Basis for Removal : Under the FCRA, specifically Section 604 ( 15 U.S.C. 1681b ), access to a credit report is only permissible when explicit consumer consent or a clearly permissible purpose exists. The listed inquiries do not meet these legal requirements. Additionally, under Section 611 ( a ) ( 5 ) ( 15 U.S.C. 1681i ( a ) ( 5 ) ), any unverifiable information must be promptly removed from the credit report. 
I have attempted to resolve this matter directly with the credit bureau by submitting a formal dispute letter on XX/XX/XXXX. However, I have not received an adequate response or the removal of the unauthorized inquiries, which I believe constitutes non-compliance with FCRA provisions. 
Supporting Case Law for Removal : Legal precedents reinforce the need for removal of unauthorized inquiries in the absence of a permissible purpose. In XXXX XXXX XXXX XXXX XXXX ( 9th Cir. XXXX ), the Ninth Circuit ruled that accessing a credit report without explicit consumer consent or a legitimate purpose constitutes a violation of the FCRA. Furthermore, XXXX XXXX XXXX, XXXX ( 9th Cir. XXXX ) reaffirms that credit bureaus are obligated to remove all inaccurate or unverifiable information.

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 2025-06-06 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: GA

Complaint narrative:
Consumer Financial Protection Bureau Complaint Complainant : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Phone : ( XXXX ) XXXX Email : XXXX Complaint Against : TransUnion Equifax Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Account No. XXXX ) XXXX XXXX ( Account XXXX. XXXX ) XXXX XXXX XXXX Nature of Complaint : I am a verified victim of identity theft, supported by my FTC Identity Theft Report # XXXX dated XX/XX/year>. The following accounts were opened fraudulently and were never authorized, consented to, or initiated by me : XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$3700.00} XXXX. XXXX XXXX XXXX {$570.00} XXXX. XXXX XXXX XXXX {$4200.00} XXXX XXXX XXXX XXXX {$180.00} These accounts were reported without my signed contract, consent, or permissible purpose and continue to violate multiple provisions of FCRA and FDCPA. 



Violations of Federal Law : Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681b ( f ) Prohibits obtaining or using consumer reports without permissible purpose. 
15 U.S.C. 1681e ( b ) Duty to maintain maximum possible accuracy ; fraudulent data violates this.

15 U.S.C. 1681g, 1681h, 1681i ( a ) ( 6 ) Failure to provide proper results and method of verification during dispute reinvestigations.

15 U.S.C. 1681c-2 ( Section 605B ) Requires blocking of identity theft-related information within 4 business days upon submission of valid ID Theft Report.

Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692e ( 8 ) Prohibits communication of credit data known to be false.

15 U.S.C. 1692g ( b ) Requires collection to cease until validation is provided once disputed. 



Formal Demands : 1. Permanent deletion of all listed fraudulent accounts from my credit reports across all 3 bureaus.

2. Cease and Desist all collection communications and activities under 15 U.S.C. 1692c ( c ).

3. Provide the following for each disputed account : Original signed contract or agreement Proof of permissible purpose Forward Flow Agreement between original and collecting party Complete Chain of Assignment 4. Written confirmation that accounts have been removed and all collection activity has been permanently stopped. 



Relief Sought : Immediate and permanent removal of the fraudulent accounts and inquiries.

Regulatory enforcement against all furnishers and CRAs violating the FCRA and FDCPA. 
A full copy of the investigation results and all documents provided by furnishers. 



Under penalty of perjury, I declare the above information is true and correct. 
This CFPB complaint is supported by my FTC Identity Theft Report # XXXX, attached with this filing. 



Signed : XXXX XXXX XXXX Date : XX/XX/year>

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-06 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: FL

Complaint narrative:
I am formally requesting the immediate deletion of the following closed and derogatory account from my credit report with Equifax.

The account is reporting inaccurate, incomplete, and unverifiable information, which violates my rights under the Fair Credit Reporting Act ( FCRA ) 609 ( a ), 611, and 623.

I previously requested verification and documentation for the account including a signed contract and full payment records which have not been provided as required by law.

Because the account remain unverifiable and inaccurate, I demand that it be immediately removed from my credit report. 
Account Details : Creditor Name : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX I request written confirmation of removal within XXXX business days.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-06 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: CA

Complaint narrative:
Cash app have a open Lawsuits happening. I have cash app for XXXX or XXXX years I didn't know this Lawsuits was happening not full aware what's going on please inform me thank you XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-07 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: IL

Complaint narrative:
The items listed below are reported on my credit file and were found in my reports with the credit reporting agency. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law regarding identity theft. Additionally, the credit reporting agency & data furnisher have not provided any evidence of an open contract, signed contract, or valid proof that I opened, authorized, or created this. Since this is a strict violation of FCRA laws, I need the items removed from my file. 
XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXX Balance : {$66.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXXXXXX XXXX XXXX XXXX Balance : {$36.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-07 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: IN

Complaint narrative:
Please rectify the overdue payment indicated on my account, as I have always made timely payments and have diligently maintained this record. Enclosed are the relevant documents for your review.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-06 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 no knowledge of these inquiries, and they appear to be unauthorized. I request that immediate steps be taken to rectify this situation. Relevant documents are attached for your review.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI

Complaint narrative:
On or about XXXX XXXX I called Transunion Credit Bureau about fraudulent information on my current consumer report. This information is being reported on my consumer report fraudulently where there was no offer or transaction with such companies. I asked that this information be removed immediately per FCRA 605b ( 15 U.S.C. 1681c-2 ) and 15 USC 1681b . the information in question is as follows : 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 2025-06-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I am a victim of identity theft. Accounts were fraudulently opened in my name without my knowledge or permission. I did not authorize these accounts, nor did I apply for any new credit. I am not responsible for any charges, balances, or activity associated with them. I am requesting that these fraudulent accounts be investigated and permanently removed from my credit report under 15 U.S.C. 1681c-2 of the Fair Credit Reporting Act.

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