vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-11 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:
Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of your receiving this complaint. This fraudulent, inaccurate, and false information consists of Collections : 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 {$4300.00}. I have attached a list of the fraudulent items appearing as well as a copy of the FTC consumer credit report maintained by you which shows these fraudulent accounts and 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 your agency are the result of identity theft and fraud. I have attached a copy of the FTC identity theft report number XXXX as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts and collections are result of identity theft and fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-11 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: CA

Complaint narrative:
I am disputing an account placed by Columbia Debt Recovery LLC ( Genesis Credit ) for an alleged debt with Core at XXXX XXXX. I sent a debt validation letter on XX/XX/year>, in accordance with the FDCPA, requesting verification. They failed to respond within the 30-day window, as required by law. Despite this, the debt is still reported to credit bureaus.

I am requesting that the CFPB demand deletion of this unverified and disputed item from all three major credit bureaus ( XXXX XXXX XXXX XXXX ). This account is inaccurate, not validated, and violates both FDCPA and FCRA. 

I have attached the following documents : Copy of my dispute letter to the collector Their acknowledgment of receipt ( dated XX/XX/year> ) Written email from the original creditor ( XXXX ) indicating I was not liable beyond the new tenants move-in date Proof of payment made to satisfy prorated rent ( XXXX} ) Under the Fair Credit Reporting Act ( FCRA ), unverifiable or inaccurate information must be deleted from my file within 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-11 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:
I am submitting this complaint due to TransUnions failure to take proper action on several credit report disputes I have filed. I identified multiple accounts that contain inaccurate or outdated information and provided documentation to support my claims. Despite this, TransUnion has either failed to respond adequately or closed the disputes without resolving the issues.

This conduct is in direct violation of the Fair Credit Reporting Act ( FCRA ), which requires consumer reporting agencies to investigate disputed information and correct or remove items that are inaccurate or can not be verified. 

I respectfully request that TransUnion conduct a full reinvestigation and delete the inaccurate and unverifiable accounts from my credit report. Ive included all relevant documents for reference.

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 2025-06-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX XXXX do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on 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 2025-06-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
My credit card accounts were unilaterally closed by American Express. I still have a valid business checking account under the same name and online access eligible for membership rewards points. However, the points are no longer showing up on my checking account through my online access and I am unable to redeem any of them myself.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I declare that the inaccurate late payment remarks on my accounts constitute a violation of 15 USC 1666. I have always made my payments promptly, and any discrepancies in this reporting are both unjust and illegal.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-11 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: MI

Complaint narrative:
I am filing this FTC Identity Theft Affidavit to report seven fraudulent accounts appearing on my consumer FICO Bureau credit report, which I do not recognize and are the result of identity theft and fraud. These unauthorized accounts include a collection opened at XXXX XXXX XXXX on XX/XX/XXXX under account number XXXX ; a collection opened at XXXX XXXX XXXX on XX/XX/XXXX under account number XXXX ; a collection opened at XXXX XXXX XXXX on XX/XX/XXXX under account number XXXX ; a collection opened at XXXX XXXX on XX/XX/XXXX under account number XXXX ; and a charged-off account opened at XXXX XXXX XXXX XXXX XX/XX/XXXX under account number XXXX. These fraudulent accounts have led to several unauthorized hard inquiries and collections negatively affecting my credit. I demand that all of the aforementioned fraudulent items be permanently removed from each of my consumer credit reports and that all associated collection activity cease immediately, in accordance with my rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). All accounts above, collections, late payments, and charge-offs result from 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. I demand that the fraudulent items be removed from my consumer credit report and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws.

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 2025-06-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
This is for a XXXX XXXX  card. The delinquency was caused by banking fraud my payment method was compromised without my knowledge, and I was only notified after the fact. I took immediate action once I was aware and continued making payments to bring the account current. I have never been late prior to that mark. I had an exceptional payment history. I ask XXXX XXXX as goodwill to reverse the XXXX late reporting for XXXX of 2025 and they refused even though I had exceptional payment history with them. This is no way to treat customers that were victimized by fraud but still manage to pay their bills on time. I will like someone to look into my account and attempt to reverse the 120 days late reporting.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-06-11 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: CT

Complaint narrative:
I recently reviewed my credit report and noticed a multiple fraudulent accounts on my report. please remove these from my report as they are hurting my ability to obtain credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-11 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: TN

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need to have deleted will be attached in a pdf document. I have several accounts that I DID NOT apply for listed on my credit report. My information was exposed in the XXXX  Data Breach and as a result someone opened up several fraudulent accounts in my name. 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 also enclosed copies of the report. According to FCRA 6058B this information must be blocked within 4 days. XXXX  has been slow in responding to my request via postal mail so now I'm involving the CFPB. This inaccurate information is causing me lots of stress and discomfort and embarrassment.

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 2025-06-11 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: SC

Complaint narrative:
I am writing to formally request the removal of fraudulent information from my credit file. I am a victim of identity theft, and there are multiple accounts and inquiries listed on my credit report that I did not authorize or apply for. These items are not accurate and do not belong to me. 

In accordance with Section 605B of the Fair Credit Reporting Act ( FCRA ), I request that you block and remove the unauthorized accounts and inquiries from my credit report. Attached to this letter, you will find a list of the disputed items as well as a copy of my Identity Theft Report filed with the Federal Trade Commission. 

Please take the necessary steps to investigate and delete these items from my credit report as soon as possible. I appreciate your prompt attention to this matter and request written confirmation once the corrections have been made.

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 2025-06-11 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: TN

Complaint narrative:
Complaint Against : TransUnion and Experian Furnisher : XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX  ) Date : XX/XX/XXXX Dear CFPB, I am filing a renewed complaint regarding XXXX XXXX XXXX, as currently reported by TransUnion and Experian. I previously disputed this account due to multiple inaccuracies and inconsistencies, yet both bureaus have failed to correct or delete the disputed information. 

Inaccuracies & Violations : XXXX. Inconsistent Date Opened TransUnion lists XX/XX/XXXX Experian lists XX/XX/XXXX This discrepancy affects the age of the account and violates : FCRA 623 ( a ) ( 2 ) : Duty to correct and update information. 

XXXX. Misleading Date Last Active TransUnion now shows a new Date Last Active of XX/XX/XXXX, despite no activity, payment, or consumer interaction. 
Experian lists the correct date as XX/XX/XXXX. 

This appears to manipulate the accounts delinquency age and unfairly extends its derogatory impact on my credit file. 

FCRA 607 ( b ) : Failure to maintain procedures ensuring maximum possible accuracy.

FCRA 623 ( a ) ( 1 ) ( A ) : Reporting data known to be inaccurate or unverifiable.

3. Disputed Account Still Reporting as Derogatory Without Validation The balance remains at {$690.00}.

No supporting documentation from the original creditor ( XXXX ) has been provided. 
My previous CFPB dispute did not result in any meaningful verification. 

FCRA 611 ( a ) ( 1 ) : A consumer has the right to dispute and request verification. If verification can not be produced, the account must be deleted.

4. Duplicate or Recycled Dispute Language TransUnion uses generic language : Account information disputed by consumer, meets FCRA requirements.

This is not a valid reinvestigation outcome and violates : FCRA 611 ( a ) ( 5 ) ( A ) : Requires a clearly stated, accurate result of dispute reinvestigation.

Regulatory Precedent I also cite the CFPBs XXXX enforcement action against Equifax, which resulted in a {$15.00} million civil penalty for failing to conduct proper dispute investigations and for reporting inaccurate information, including manipulating dates and ignoring clear errors. TransUnion and Experian are now demonstrating similar noncompliance. 

Requested Actions : 1. Immediate deletion of this unverifiable and inaccurately reported collection account. 
XXXX. If not deleted, provide verifiable documentation from the original creditor ( XXXX XXXX ) validating the balance and dates. 
XXXX. Update all fields consistently across bureaus to reflect accurate and substantiated data only. 

Thank you for your attention to this matter. 

Respectfully, XXXX XXXX XXXX Address : XXXX XXXX XXXX, XXXX, TN 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 2025-06-11 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: IL

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-11 00:00:00
Product: Debt collection — Rental debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: FL

Complaint narrative:
Multiple companies are continuing to report accounts for which I have formally revoked consent and requested immediate removal under FCRA 604 and GLBA. The CRAs are enabling unauthorized data reporting in violation of federal law. Please refer to the attached multi-party revocation notice

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: RI

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-11 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: TN

Complaint narrative:
Consumer Rebuttal and Escalated Complaint to CFPB XXXX : XXXX XXXX XXXX ( MIDLANDCRE ) Credit Bureau : Equifax Account # : XXXX * * * * Date : XX/XX/XXXX Consumer : XXXX XXXX XXXX Address : XXXX XXXX XXXX, XXXX, TN XXXX Summary of Dispute This is a formal escalation and rebuttal to my prior dispute regarding inaccurate and misleading information furnished by XXXX XXXX XXXX to Equifax. Despite being previously disputed, Equifax has failed to correct or remove the inaccurate data. The continued reporting of this tradeline violates multiple provisions of the Fair Credit Reporting Act ( FCRA ). 

XXXX XXXX and FCRA Violations XXXX. Inaccurate Payment History ( Shows OK During Collection ) This account is a collection account marked derogatory with a past due balance of {$1100.00}. 
Yet, the Equifax payment history from XX/XX/XXXX to XX/XX/XXXX reports OK payment status, which is inaccurate and materially misleading. 
A collection account should not display on-time or current payments, as no contractual payments are being made through a lender relationship. 
Violations : FCRA 607 ( b ) : Failure to follow reasonable procedures to assure maximum possible accuracy.

FCRA 623 ( a ) ( 1 ) ( A ) : Reporting data with actual knowledge or reasonable cause to believe it is inaccurate.

2. Incorrect Account Type Reporting The account is labeled as an Open Account and also listed as Collection simultaneously. 
A legitimate collection tradeline should not be labeled as open, which misrepresents its status under XXXX XXXX XXXX reporting guidelines. 
Violations : FCRA 623 ( a ) ( 2 ) : Furnishers must update and correct inaccurate or incomplete information.

FCRA 611 ( a ) : Right to dispute and have verified information corrected or deleted. 
XXXX. Repeat Dispute Ignored Without Sufficient Investigation This matter was previously disputed with Equifax and closed without adequate resolution. The updated report still contains identical errors. 
No supporting documentation from XXXX XXXX XXXX was provided to justify continued reporting. 
Violations : FCRA 611 ( a ) ( 1 ) ( A ) : Failure to properly investigate consumer disputes.

FCRA 623 ( a ) ( 8 ) : Failure to respond accurately to a direct dispute from a consumer or via the CRA. 


Requested Resolution I am requesting the immediate deletion of this account from my Equifax credit report due to : Repeated reporting of inaccurate data Prior unresolved dispute Lack of meaningful investigation or corrective action Violation of FCRA provisions governing accuracy and dispute handling If Equifax and the furnisher fail to resolve these errors, I reserve the right to pursue legal remedies under FCRA 616 and 617 for negligent or willful noncompliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-11 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: CT

Complaint narrative:
I recently reviewed my credit report and noticed a multiple fraudulent accounts on my report. please remove these from my report as they are hurting my ability to obtain credit.

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 2025-06-11 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc.
State: TN

Complaint narrative:
XXXX XXXX XXXX Social Security Number : ( Private ) Consumer Date of Birth : ( Private ) This complaint is filed with the Consumer Financial Protection Bureau ( CFPB ) to formally request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that you block all information on my consumer credit report that is the result of identity theft and fraud. I expect this action to be completed within four business days of your receipt of this complaint. 

The following fraudulent, inaccurate, and false information has appeared on my credit report : CREDIT COLLECTIONS : Collections account opened on XX/XX/year>, associated with XXXXXXXX XXXX XXXX XXXX ( insurance company account ). 

These fraudulent accounts have also led to several unauthorized hard inquiries and collections impacting my XXXX credit report. I have attached a comprehensive list of these hard inquiries, along with a copy of my current TransUnion XXXX credit report clearly highlighting these fraudulent entries. 

I unequivocally state that I do not recognize, nor did I authorize, any of these accounts, collections, or hard inquiries. They are all the direct result of identity theft and fraud. 

For your immediate reference and as irrefutable proof, I have also attached a copy of the FTC Identity Theft Criminal Complaint # ( private case number ), issued by the XXXX Federal Trade Commission, which confirms that these items are indeed the result of identity theft and fraud. 

I demand the immediate removal of all these fraudulent items from my credit report, as is my right under the Fair Credit Reporting Act ( FCRA ).

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief