vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
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: Carter-Young, Inc.
State: LA

Complaint narrative:
I am disputing this alleged debt. I moved out of the apartment on XX/XX/year>, which is listed as both my lease end date and notice given date in the documents provided by Carter Young. However, the charges they are attempting to collect are dated XX/XX/year> four days after I vacated the property. I requested full validation of the debt, including a signed lease, itemized charges, proof I caused the damages, and documentation showing Carter Young is legally authorized to collect. They did not provide any of that. Instead, they sent invoices and photos dated after my move-out, with no proof of liability. I do not acknowledge this debt as valid, and I request that it be removed from my credit report due to inaccurate and unverifiable reporting.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-06 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:
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 non-monetary relief
Consumer complaint received 2025-06-06 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: CA

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 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:
XXXX XXXX XXXX XXXX XXXX MO XXXX  : Account Number Date Opened High  Credit Credit Limit Terms Duration Terms Frequency Months Revd Activity Designator Creditor Classification XXXX XXXX XXXX  300 MonthsMonthly 3 Date of Last Reported Update Balance Amount Amount Past Due Date of Last Payment Actual Payment Amount Scheduled Payment Amount Date of 1st Delinquency Date of Last Activity Date Maj Del. 1st Reported Charge Off Amount Deferred Pay Start Date Balloon Pay Amount Balloon Pay Date  Date Closed XXXX XXXX XXXX XXXX Status - Pays As Agreed; Type of Account - Installment; Type of Loan - Education Loan; Whose Account - Individual Account; ADDITIONAL INFORMATION - Student Loan; Variable/Adjustable Rate;'

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: EQUIFAX, INC.
State: TX

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-06 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: VA

Complaint narrative:
The information listed under Leasing and Rental is inaccurate because I never leased or occupied the property. I dispute this classification and request that it be corrected and removed. 

XXXX XXXX sold my personal information without my permission to a collections company named Columbia Debt Recovery. 

I have never moved to this property and there is a collection amount of {$490.00} showing on my XXXX, XXXX, and XXXX  credit reports. I never rented from this company, therefore this false claim from XXXX XXXX and the collections must be removed. 

FDCPA - 15 U.S. Code 1692e ( False or Misleading Representations ) It prohibits debt collectors from using false or misleading representations, such as falsely claiming that you owe money for a property you never rented. 

I did not move into the rental property, and therefore, I do not owe any money. I have not signed any lease agreement, nor have I received a rental payment request directly from the property management. I request that this issue be reviewed and removed from my credit report.

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: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am filing this complaint against both TransUnion and Experian for allowing multiple unauthorized hard inquiries and false addresses to appear on my credit reportswithout my knowledge, consent, or any permissible purpose. Despite never applying for credit from any of these listed companies, numerous hard inquiries have been made which are damaging my credit profile and compromising my personal data security. 
Inaccurate & Untouched Addresses ( FCRA Violation : 1681c and 1681e ( b ) ) The following addresses have been added to my credit report, though I have never resided at or been associated with them : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX These are clear violations of FCRA 1681e ( b ) which requires consumer reporting agencies to maintain maximum possible accuracy and 1681c, which prohibits reporting inaccurate or unverified personal information.

Unauthorized Hard Inquiries ( FCRA Violation : 1681b ( f ), 1681n, 1681o ) I did not apply for credit, nor did I grant permission to the following entities to access my credit report. These inquiries are a gross misuse of my consumer data and have severely impacted my credit score : XXXXXXXX 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 XX/XX/XXXX According to FCRA 1681b ( f ), no one is permitted to obtain a consumer report unless they have a permissible purpose and proper authorization. I did not authorize any of these pulls. 

The continued appearance of these inquiries demonstrates willful noncompliance by the credit bureaus, making them liable under 1681n ( willful noncompliance ) and 1681o ( negligent noncompliance ).

Requested Resolution : I am demanding the following immediate corrective actions : Permanent deletion of all unauthorized hard inquiries listed above from both TransUnion and Experian reports.

Permanent removal of all false addresses from my credit profiles.

A formal apology and explanation of how these errors occurred.

Assurance that stronger verification protocols are in place to prevent future violations.

Final Note : This complaint is submitted under the protection of the Fair Credit Reporting Act ( FCRA ). If this matter is not resolved, I am prepared to pursue further action through the Federal Trade Commission ( FTC ), and if necessary, I will seek legal counsel to file for damages in federal court. 

I am requesting CFPBs support to enforce compliance and ensure my rights are protected.

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: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
Please remove the fraudulent and suspicious accounts from my credit report, as outlined in the attached documents.

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: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

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

Please see the attached file for what I am complaining about! I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

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: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: LA

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

Please see the attached file for what I am complaining about! I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B 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 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 — Account information incorrect
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I have discovered unauthorized accounts and inquiries on my consumer report, prompting me to file a complaint with the Federal Trade Commission ( FTC ). My grievance is directed towards Experian, Transunion, and Equifax for infringing upon my consumer rights by including these accounts and inquiries in my credit report. I strongly believe that this situation exploits me, and I seek resolution.

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: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
I have discovered unauthorized accounts and inquiries on my consumer report, prompting me to file a complaint with the Federal Trade Commission ( FTC ). My grievance is directed towards Experian, Transunion, and Equifax for infringing upon my consumer rights by including these accounts and inquiries in my credit report. I strongly believe that this situation exploits me, and I seek resolution.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
This COMPLAINT is asking for your assistance for formal request for investigation that Credit Bureaus is reporting inaccurate information. I was never late. I always made my payment on time.

I am very distressed that they have included the below information in my credit profile due to its damaging effects on my good credit standing. As they are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. This is an inaccurate information and is a mistake on either your company or the reporting creditor 's part. Because of the mistake ( s ) on my credit report, I have been wrongfully denied credit recently, which was highly embarrassing and has negatively impacted my lifestyle. 
I'm sure you'll agree, the late payment ( s ) needs to be Removed as soon as possible. The following information needs to be verified and updated from my credit report as soonaspossible : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Balance : {$23000.00} Date Opened : XX/XX/year>.

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 — Account information incorrect
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
In XXXX, I had a vehicle financed by XXXX XXXX that was declared a total loss. My insurance paid over {$8100.00}, and XXXX insurance covered the rest. Despite this full settlement, XXXX is reporting a {$17000.00} XXXX The account was opened in XX/XX/XXXX, with my last payment made in XX/XX/XXXX. No documentation has been provided explaining the inflated balance, and this account continues to XXXX my credit report. 

Later, under the same account number, I financed a second vehicle with XXXX. On XX/XX/XXXX, the vehicle was repossessed without a court order. Police were involved in forcibly removing my XXXX from the vehicle. I was never provided a Notice of Intent to Sell or a XXXX XXXX of XXXX, both required by law. This second loan is now showing a {$10000.00} XXXX 

XXXX has combined XXXX separate vehicle loans under the same account number, inflated the balance of one that was fully paid through insurance, and conducted the second repossession in violation of XXXX repossession law and consumer protections. I disputed both accounts through the credit bureaus but have not received any valid documentation or resolution. I am requesting the full deletion of this account from all credit bureaus and confirmation that no further collection will be attempted.

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: EQUIFAX, INC.
State: NY

Complaint narrative:
Multiple XXXX XXXX Loans Were Open With My Personal Information. That was not authorized by me. XXXX XXXX

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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX Experian and Equifax credit reporting agency , remove information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXXXXXX XXXX BALANCED {$0.00} 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 XXXXXX/XX/year> XXXX XXXX XXXX - XX/XX/year> These items have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries 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, collections, and hard inquiries are the result of identity theft and fraud.

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: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year> Experian, Equifax, TransUnion Request to Block Fraudulent Information Under 15 U.S.C. 1681c-2 ( Identity Theft ) To Whom It May Concern, I am writing to formally dispute certain information appearing in my credit file that I believe is the result of identity theft. Pursuant to my rights under 15 U.S.C. 1681c-2 of the Fair Credit Reporting Act ( FCRA ), I am requesting that you block the reporting of this fraudulent information.

The following account ( s ) on my credit report are not mine and were opened or used fraudulently : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX As required under federal law, I have included the following documentation in support of this request : 1. A copy of a police report or a Federal Trade Commission ( FTC ) Identity Theft Report.

2. A valid government-issued photo ID.

3. A proof of residence ( e.g., utility bill or lease agreement ).

4. A detailed statement identifying which information is fraudulent and should be blocked.

Under 15 U.S.C. 1681c-2, you are required to block the reporting of the information that is the result of identity theft within four ( 4 ) busine
ss days of receipt of this request and the accompanying documentation. Please provide written confirmation once the fraudulent information has been blocked from my credit file.

Thank you for your prompt attention to this serious matter. If you need any further information or clarification, you may contact me using the contact information provided above. 
Sincerely, 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