vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-23 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 writing to dispute an account that has been fraudulently opened in my name and is appearing on my credit report. I did not open, authorize, or have any knowledge of this account. This is a case of identity theft. 

Account Details : Company Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$0.00} Actions Taken : Date : XX/XX/year> Discovered fraud Action : I reviewed my credit report from Transunion, XXXX  and discovered the fraudulent account. 

Date : XX/XX/year> Action : I contacted XXXX XXXX to report the fraudulent activity. I was told to file a dispute with the credit bureaus and provide supporting documentation. 

Date : XX/XX/year> I am requesting that you immediately investigate this matter and remove this fraudulent account from my credit file. I have enclosed copies of my Identity Theft Report and proof of identity to support my claim. This account is the result of identity theft and does not reflect my financial history. 

Please provide a written response confirming the removal of this account from my report and detailing the steps you have taken to resolve this issue.

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 2025-09-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am writing to dispute an account that has been fraudulently opened in my name and is appearing on my credit report. I did not open, authorize, or have any knowledge of this account. This is a case of identity theft. 

Account Details : Company Name : XXXX XXXX Account Number : XXXX Date Account Opened : XX/XX/year> Amount : {$0.00} Actions Taken : Date : XX/XX/year> Discovered fraud Action : I reviewed my credit report from XXXX XXXX  and discovered the fraudulent account. 

Date : XX/XX/year> Action : I contacted XXXX XXXX to report the fraudulent activity. I was told to file a dispute with the credit bureaus and provide supporting documentation. 

Date : XX/XX/year> I am requesting that you immediately investigate this matter and remove this fraudulent account from my credit file. I have enclosed copies of my Identity Theft Report and proof of identity to support my claim. This account is the result of identity theft and does not reflect my financial history. 

Please provide a written response confirming the removal of this account from my report and detailing the steps you have taken to resolve this issue.

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 2025-09-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am writing to dispute an account that has been fraudulently opened in my name and is appearing on my credit report. I did not open, authorize, or have any knowledge of this account. This is a case of identity theft. 

Account Details : Company Name : XXXX XXXX  Account Number : XXXX Date Account Opened : XX/XX/year> Amount : {$0.00} Actions Taken : Date : XX/XX/year> Discovered fraud Action : I reviewed my credit report from XXXX, Equifax and discovered the fraudulent account. 

Date : XX/XX/year> Action : I contacted XXXX XXXX to report the fraudulent activity. I was told to file a dispute with the credit bureaus and provide supporting documentation. 

Date : XX/XX/year> I am requesting that you immediately investigate this matter and remove this fraudulent account from my credit file. I have enclosed copies of my Identity Theft Report and proof of identity to support my claim. This account is the result of identity theft and does not reflect my financial history. 

Please provide a written response confirming the removal of this account from my report and detailing the steps you have taken to resolve this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: ALLY FINANCIAL INC.
State: CA

Complaint narrative:
I am submitting a follow-up complaint regarding Ally Financials continued refusal to provide any viable assistance despite my ongoing financial hardship and proactive attempts to seek support. 

After submitting my original complaint ( CFPB XXXX # XXXX ), Ally responded with a summary of previous extensions granted in XXXX and early XXXX. However, they failed to offer any current or future resolution to my active hardship. My most recent request for help submitted in XX/XX/XXXX was denied, and I was told I do not qualify for loan modification, payment deferment, or a catch-up plan. 

Despite my request that a supervisor contact me yet no one followed up. I then emailed Allys Executive Resolutions team at XXXX on the same day ( XX/XX/XXXX ), and it has now been over two weeks with no response. Ive sent multiple follow-up emails since and received no reply. 

To this day, I still have not been provided with : A supervisor callback A copy of all available hardship options A written response from the executive team Any resolution that reflects my current financial circumstances I have clearly communicated my intent to continue paying what I can and avoid default. Im not being supported despite doing everything by the book.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-23 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: PA

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 2025-09-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

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 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 2025-09-23 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc.
State: CA

Complaint narrative:
On XX/XX/year> a collection of appeared in my credit report and I called the collection agency and was told they are not able to provide me with any information because my name is not under that account. The representative said this account has an address not mine and the name XXXX XXXX which is not my name I let them know that this was appearing in my credit report and they should delete it so they agreed to delete it and I see they deleted it from two other bureaus but not XXXX I need them to delete it as soon as possible as this is false reporting for an account that does not belong to me. My name is XXXX XXXX and the account is under a different name and they can not verify my address or give me more details saying since the account does not match what I am providing they cant help me I have never opened an account with XXXX XXXX  so I should not hav many account with them on my credit report. There is no full account number besides XXXX in the amount of {$600.00}. Please remove this from XXXX ASAP this does not belong to me

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 2025-09-23 00:00:00
Product: Debt collection — I do not know
Issue: Electronic communications — Frequent or repeated messages
Company: Unifin Inc.
State: NJ

Complaint narrative:
I started receiving text messages on XX/XX/year> from a company called Unifin which they claim to be a debt collector. I know that Unifin is a legitimate company that is a debt collector but the links I've been receiving are very strange. I only received text messages with the links and reference number. No emails, no calls, and no letters in the mail. The link I clicked on brought me to a login page and I entered my reference number and the last four digits of my social security number. I did this multiple times because an error kept occurring when I submitted this information. The error said " invalid credentials entered. Try with DOB Month and Day ''. I knew after a few times of entering the same exact information, that this is definitely fraud/scam because why would you need my DOB to allow me to login and my last four of my ssn wasn't enough? This clearly shows this scammer is trying to get more information from me so they can steal my information and use it elsewhere.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-23 00:00:00
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: WA

Complaint narrative:
To Whom It May Concern, I am submitting this complaint against XXXX XXXX XXXX and COLUMBIA DEBT RECOVERY, LLC, DBA GENESIS as well as XXXX XXXX XXXX  for violations of the Fair Credit Reporting Act ( FCRA ) and the GrammLeachBliley Act ( GLBA ). 
On XX/XX/year>, I discovered that COLUMBIA DEBT RECOVERY, LLC, DBA GENESIS reported account XXXX to XXXX XXXX XXXX  and increased the balance. I never authorized this reporting, nor did I consent to the sharing of my non-public personal financial information. 
The action that XXXX XXXX XXXX took on my behalf categorizes and qualifies them as a financial institution under GLBA, 15 U.S.C. 6809 ( 3 ) ( A ). By providing my personal data to a non-affiliate third party, COLUMBIA DEBT RECOVERY, LLC DBA GENESIS without my consent, they are in violation of GLBA 6802 ( b ).

Furthermore, COLUMBIA DEBT RECOVERY, LLC, DBA GENESIS illicitly disclosed my financial information to consumer reporting agencies, violating my privacy rights and potentially constituting crimes under 18 USC 894 and 18 USC 242. 
I disputed this reporting on XXXX XXXX, attaching supporting documentation. Despite this XXXX XXXX XXXX verified the account without conducting a reasonable reinvestigation as required by FCRA 611 ( 15 U.S.C. 1681i ).

Because this account is the result of unauthorized use and/or identity theft, I am also requesting protection under FCRA 605B ( 15 U.S.C. 1681c-2 ), which requires blocking identity-theft-related information from my consumer report.

Harm Suffered-As a direct result of these actions, I experienced : - Unnecessary stress and financial harm. 
- Damage to my creditworthiness and reputation, - Not being able to qualify for a safe neighborhood to live in Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-23 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:
On my credit reports, multiple items are being inaccurately reported as Negative, even though they are not accounts, tradelines, or delinquent obligations. The following are the specific items in dispute : Inquiries : XXXXXXXX XXXX XXXX  XX/XX/year> XXXX PID : XXXXXXXX XXXX XXXX ) XXXX XXXX XXXX XX/XX/year> ( PID : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> ( PID : XXXX XXXX XXXX XXXX  ) Incorrect Addresses : XXXX XXXX Ct Incorrect ( PID : XXXX XXXXXXXX XXXX ) XXXXXXXX XXXX XXXX  Incorrect ( XXXX XXXX XXXX XXXXXXXX XXXX XXXX  Incorrect Names : XXXX XXXX XXXX Incorrect ( PID : XXXX XXXX XXXX XXXX XXXX XXXX Incorrect ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX Incorrect ( PID XXXX XXXX XXXX XXXX These entries are being shown as Negative, which is unlawful under both Metro 2 compliance standards and the Fair Credit Reporting Act ( FCRA ). An inquiry, name variation, or prior address can not be coded as derogatory. By misclassifying them as negative, the bureaus are violating FCRA 1681e ( b ) ( duty to ensure maximum possible accuracy ).

I disputed these items, but the bureaus failed to provide a valid Method of Verification under FCRA 1681i. No bureau or furnisher has produced original contracts, permissible purpose records under FCRA 1681b, or other verifiable documentation to substantiate these entries. Instead, the inaccurate reporting remains, continuing to harm my creditworthiness and mislead potential creditors. 

Furthermore, I am a documented victim of the XXXX XXXX XXXX breach, which makes it even more critical that my file contain only accurate and verified information. By tying me to incorrect names, addresses, and unverifiable inquiries, the bureaus are compounding the risk of identity confusion, fraud, and reputational damage. 

This repeated failure to correct errors after disputes constitutes willful noncompliance under FCRA 1681n, exposing the bureaus and furnishers to liability for statutory, actual, and punitive damages. 

I am requesting that the CFPB compel Equifax, Experian, and TransUnion to permanently DELETE all of the above items with their PIDs from my credit files, as they are inaccurate, unverifiable, and unlawfully reported as negative.

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 2025-09-23 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: CA

Complaint narrative:
On my credit reports, multiple items are being inaccurately reported as Negative, even though they are not accounts, tradelines, or delinquent obligations. The following are the specific items in dispute : Inquiries : XXXXXXXX XXXX XXXX  XX/XX/year> XXXX PID : XXXXXXXX XXXX XXXX ) XXXX XXXX XXXX XX/XX/year> ( PID : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> ( PID : XXXX XXXX XXXX XXXX  ) Incorrect Addresses : XXXX XXXX Ct Incorrect ( PID : XXXX XXXXXXXX XXXX ) XXXXXXXX XXXX XXXX  Incorrect ( XXXX XXXX XXXX XXXXXXXX XXXX XXXX  Incorrect Names : XXXX XXXX XXXX Incorrect ( PID : XXXX XXXX XXXX XXXX XXXX XXXX Incorrect ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX Incorrect ( PID XXXX XXXX XXXX XXXX These entries are being shown as Negative, which is unlawful under both Metro 2 compliance standards and the Fair Credit Reporting Act ( FCRA ). An inquiry, name variation, or prior address can not be coded as derogatory. By misclassifying them as negative, the bureaus are violating FCRA 1681e ( b ) ( duty to ensure maximum possible accuracy ).

I disputed these items, but the bureaus failed to provide a valid Method of Verification under FCRA 1681i. No bureau or furnisher has produced original contracts, permissible purpose records under FCRA 1681b, or other verifiable documentation to substantiate these entries. Instead, the inaccurate reporting remains, continuing to harm my creditworthiness and mislead potential creditors. 

Furthermore, I am a documented victim of the XXXX XXXX XXXX breach, which makes it even more critical that my file contain only accurate and verified information. By tying me to incorrect names, addresses, and unverifiable inquiries, the bureaus are compounding the risk of identity confusion, fraud, and reputational damage. 

This repeated failure to correct errors after disputes constitutes willful noncompliance under FCRA 1681n, exposing the bureaus and furnishers to liability for statutory, actual, and punitive damages. 

I am requesting that the CFPB compel Equifax, Experian, and TransUnion to permanently DELETE all of the above items with their PIDs from my credit files, as they are inaccurate, unverifiable, and unlawfully reported as negative.

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 2025-09-23 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the Equifax credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : INQUIRIES XXXX XXXX XXXX XXXX XXXXXX/XX/year> These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive 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 said fraudulent items. I do not recognize these accounts, collections and 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 said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Lloyd & McDaniel, PLC
State: FL

Complaint narrative:
lloyd & mcdaniel PLC sent a letter end of XXXX about a debt collection. letter said we could email. I emailed the company asking for more information on my case, ei payment plans and so on. No responce. I emailed again in XXXX and XXXX. I have tried calling and you wait on hold for hours jsut for the call to hang up. I cant get a hold of anyone to take care of this issue. I have no received a court summons in the mail for said debt collection. 

so, how can I be liable when XXXX cant even get a hold of anyone from the debt collection agency to pay my debt.. 

I have copies of emails and copies of my call log.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-23 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:
To Whom It May Concern, I am writing to formally dispute inaccurate and unauthorized information being reported on my Experian credit file. These items are incorrect and must be removed or corrected immediately in accordance with my rights under the Fair Credit Reporting Act ( FCRA ). 

The following items are inaccurate : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Wrong Address XXXXXXXX XXXX XXXX XXXXXXXX, OK XXXX Wrong Address XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$49000.00} Reported as Collection XXXX XXXX XXXX XXXX XXXX Inquiry dated XX/XX/XXXX These addresses, account, and inquiry are not accurate and are negatively affecting my consumer report. Pursuant to 15 U.S.C. 1681i, you are required to conduct a reasonable reinvestigation of these disputed items and remove or correct any information that can not be verified as accurate and complete. 

I am requesting that these erroneous addresses be deleted, the unverifiable collection account be removed, and the unauthorized inquiry be eliminated from my report. 

Please provide me with written confirmation once your investigation has been completed and the necessary corrections have been made. 

Thank you for your prompt attention to 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 2025-09-23 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: NC

Complaint narrative:
I am writing to advise that I am a victim of trafficking. For your convenience and reference, I have attached supporting documents that substantiate my claim. The information listed below, that is currently listed on my credit report is a result of that trafficking. 

ACCOUNTS : DEPTEDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$28000.00} DEPTEDXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$26000.00} DEPTEDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$25000.00} DEPTEDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$24000.00} DEPTEDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$140000.00XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company 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