vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: OH

Complaint narrative:
I had a XXXX 's XXXX XXXX credit card through XXXX XXXX. I also had the XXXX XXXX XXXX with that card. This allowed for debt cancelation up to {$10000.00}. I lost my job from XXXX and was unable to pay the debt. I went through the steps to cancel the debt and it was canceled, XX/XX/XXXX. I thought it was done. XXXX years later I get a letter saying I'm being sued for the debt, XX/XX/XXXX. XXXX 's and XXXX XXXX  sold the debt, {$4300.00} to Portfolio Recovery Associates LLC without any notification to me. I have not received any debt validation or verification of the bill of sale or assignment contract from Portfolio Associates. I filed an answer with the court denying ownership of the debt and provided the written statement to Portfolio Recovery Associates as well, along with the terms and conditions for the XXXXXXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I am writing to formally dispute the Chapter XXXX bankruptcy entry that appears on my credit report. The bankruptcy entry was filed on XXXX ( Reference Number : XXXX ) and is listed under the status Discharged. However, I would like to bring to your attention that this information is being reported improperly. 

As you are aware, according to XXXX XXXX. XXXX ( b ) of the Fair Credit Reporting Act ( FCRA ), you are required to maintain reasonable procedures to ensure the maximum possible accuracy of the information reported on consumers credit files. The court does not report bankruptcy discharges directly to credit bureaus ; rather, it is the creditors who report such information. Since these creditors are inaccurately reporting this entry, I request that you immediately remove this bankruptcy record from my credit report, as it is being reported illegally and inaccurately. 

Account Information to Dispute : Account Type : Chapter XXXX Bankruptcy Court Name : U.S. Bankruptcy Court Date Filed : XXXX Reference Number : XXXX Discharge Status : Discharged ( Date : [ Insert Discharge Date, if applicable ] ) Under the FCRA, it is your responsibility to ensure that all information included in my credit report is accurate. Since this bankruptcy has been reported incorrectly by creditors, and no direct reporting from the court has occurred, I request that this bankruptcy entry be permanently removed from my credit file across all credit bureaus immediately. 

Please provide written confirmation that this erroneous entry has been removed from my credit report, and ensure that it does not continue to affect my credit score. 

Thank you for your prompt attention to this matter. I look forward to your response.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-24 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: NV

Complaint narrative:
I am filing a complaint against Equifax, Experian and Transunion for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax, Experian and Transunion consistently responds within XXXX hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), XXXX XXXX. XXXX, which mandates a reasonable investigation of disputes. Furthermore, Equifax, Experian and Transunions actions may also contravene the Consumer Financial Protection Act ( CFPA ), XXXX XXXX. XXXX ( a ) ( XXXX ) ( A ) ( B ), as highlighted in the CFPBs recent administrative proceeding.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-24 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: CAINE & WEINER COMPANY, INC.
State: FL

Complaint narrative:
Date of Incident : XX/XX/year> Amount Involved : {$370.00} Actions Taken : I submitted a dispute regarding a charge of {$370.00} associated with Caine & XXXX Despite my dispute, the item remains on my credit report.

Companys Response : No resolution or removal has been made.

Desired Resolution : I request the removal of this item from my credit report as it was disputed and should not be reflected on my record.

Let me know if youd like any adjustments!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-24 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I have come across several unfamiliar items on my credit report, which leads me to believe that my identity may have been stolen since I did not authorize these accounts. I have previously reported this issue and am now formally requesting the immediate removal of these unauthorized accounts. Their presence is causing me considerable distress, as they inaccurately represent my credit history and financial management. Resolving this matter has been difficult, and if it remains unaddressed, I am prepared to pursue legal action to protect my rights. These incorrect items are severely hindering my financial goals, including purchasing a home and providing for my family. I urge you to address this issue promptly.

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 2025-03-24 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: NY

Complaint narrative:
I have identified several items on my credit report that I do not recognize, leading me to believe that my identity may have been stolen. As I did not authorize these accounts, I am formally requesting their immediate removal. Despite previously reporting this issue, it remains unresolved and continues to cause me significant distress. These unauthorized accounts inaccurately reflect my credit history and financial responsibility. If this matter is not promptly addressed, I am prepared to take legal action to protect my rights. The presence of these erroneous items is severely impacting my financial goals, including purchasing a home and supporting my family.

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 2025-03-24 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:
Subject : Second  and Final Notice Legal Demand to Remove Inaccurate Late Payments Under CARES Act, FCRA, and 15 U.S. CXXXXe XXXXb To Whom It May Concern, This letter serves as a second and final formal dispute regarding inaccurate late payment information reported on my credit file related to the following account : Account in Dispute Creditor Name : XXXX XXXX XXXX Account Number : XXXX Date of Late Payment ( XXXX ) Reported : XXXX Despite my previous written request dated XX/XX/year>, I have not received a response nor confirmation of investigation, correction, or validation. This lack of action constitutes a violation of the Fair Credit Reporting Act ( FCRA ) Section XXXX, which mandates a full investigation within XXXX days.

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 2025-03-24 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: VA

Complaint narrative:
I have discovered multiple items on my credit report that I do not recognize, suggesting that my identity may have been stolen. Since I did not authorize these accounts, I am formally requesting their immediate removal. Although I previously reported this issue, it remains unresolved and continues to cause me significant distress. These unauthorized accounts inaccurately represent my credit history and financial management. If this matter is not resolved promptly, I am prepared to pursue legal action to protect my rights. The presence of these erroneous items is severely hindering my financial goals, including purchasing a home and supporting my family.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-24 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: Experian Information Solutions Inc.
State: MI

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX, MI XXXX Consumer Number : XXXX Unfortunately, my information has appeared in a data breach and I have noticed an account open on my consumer report at this account does not belong to me. I would like for you to be removed immediately. Also per FCRA 605b and 15 usc1681 this company must remove these late payments from my consumer report.. XXXX XXXX  Account Number XXXX Date opened XX/XX/XXXX Late payments XX/XX/XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX account number XXXX Date opened XX/XX/XXXX Late payments XX/XX/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 Account Number XXXX Balance {$13000.00} Date opened XX/XX/XXXX late payments XX/XX/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 Pursuant to FCRA 605B and 15 USC 1681C-two I demand that this account ( XXXX XXXX XXXX Account Number XXXX ) be removed within four business days as permitted by federal law The previous accounts have been reflecting late payments onto my consumer report, which is a violation of my consumer rights. No interaction between a creditor and a consumer maybe communicated without my written permission and I do not give the following accounts or companies any permission to report these late payments please update and remove these late payments from my consumer report. credit or insurance to be used primarily for personal, family, or household purposes ; employment purposes ; or any other purpose authorized under Section 604 ( 15 U.S.C. 1681b ). Per the FCRA as a federally protected consumer I now opt out of all authorization i the consumer may have given written unwritten verbal and non verbal as it relates to this specified information. This account is also being reported as an Original lender / Original Creditor Which is false misleading and illegal as I have ever done any business with 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
Consumer complaint received 2025-03-24 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'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
XXXX XXXX XXXX Balance {$7500.00} 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 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 XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-24 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: AL

Complaint narrative:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
A month ago, I submitted a complaint to these Bureaus, but the incorrect information on my report is still there. I haven't heard back from them, aside from your notification that the company has replied to my complaint. How can I trust that they've properly investigated the inaccuracies? What steps did they take to verify the accounts? This entire situation is really frustrating, especially since it's been over 30 days since I filed my complaint.

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 2025-03-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I sent a letter regarding the errors and unfamiliar entries on my credit report, but sadly, I haven't heard back in over 30 days. It seems like my concerns are being overlooked, and I feel taken advantage of. As per Section 611 ( a ), if these issues aren't investigated within 30 days, they should be removed from my credit report without delay. I might need to pursue legal action because of the stress this situation has put me under.

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 2025-03-24 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: NC

Complaint narrative:
I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
XXXX XXXX XXXX Balance {$7500.00} 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 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 XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-24 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: NC

Complaint narrative:
I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
XXXX XXXX XXXX Balance {$7500.00} 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 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 XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-24 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: GA

Complaint narrative:
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 you receiving this complaint. This fraudulent, inaccurate, and false information consists of : LIST OF ACCOUNTS TO BE REMOVED XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These accounts has resulted in several appearing on my consumer XXXX 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 accounts. I do not recognize the aforementioned accounts, as reported. The aforementioned accounts, appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts are the result of identity theft and fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-24 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: AZ

Complaint narrative:
Genesis debt collection was trying to collect rent from an agency, which is XXXX XXXX that runs XXXX XXXX regarding when I lived at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  AZ XXXX First, I never got a letter. Second, I kept telling them Im not paying the debt and they wouldnt stop calling me. It took me telling them five times that Im not gon na pay their debt. When I first heard from them, it came into my phone like an attorney, which is the only reason I called them back so they misrepresented themselves as Genesis debt collection being actually an attorney.

They didnt even care about the reason the reasons are I was being overcharged for water because they had 1 m for three houses or apartments in other words and they were charging me for everybody elses water and when I moved in, I inquired about billing and they wouldnt answer me Then I signed in for the home on XX/XX/year>, but I didnt move in until XX/XX/XXXX. They kept using my electricity when I was not in my house. I would go to My Home from time to time with all the electricity and fans left on, and I kept telling them turn off the electricity. I would call them complaining, and XXXX XXXX didnt do stop using my electricity They were stealing my electricity. Then the conditions were so XXXX XXXX XXXX XXXX with a XXXX XXXX  and so XXXX XXXX XXXX XXXX XXXX XXXX that it was unlivable and unhealthy. Company already got more than {$1600.00} out of me with things I could not claim such as deposits and then me paying for other peoples water that I never used. Why do they charge everybody using only XXXX meter- its like the people above me-There was five people there and they only paid {$200.00} for water. It was just me and a cat and I would wash up in the sink and they would charge me XXXX a month. I dont owe them a XXXX they were stealing my water and my electric. They have a lot of nerve trying to ruin my credit over money when they were blatantly stealing from me. I asked XXXX what the water bill would be and she said it was per square foot. That is not an answer. She refused to disclose information when I signed the lease. There was no transparency. Then I found out that there was flat rate water bill and its XXXX ridiculous. Why is there XXXX meter for XXXX apartments? Why is the bill disproportionate per apartment?

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-24 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: NY

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-03-24 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: NY

Complaint narrative:
I have identified several items on my credit report that I do not recognize, leading me to believe that my identity may have been stolen. As I did not authorize these accounts, I am formally requesting their immediate removal. Despite previously reporting this issue, it remains unresolved and continues to cause me significant distress. These unauthorized accounts inaccurately reflect my credit history and financial responsibility. If this matter is not promptly addressed, I am prepared to take legal action to protect my rights. The presence of these erroneous items is severely impacting my financial goals, including purchasing a home and supporting my family.

Company response to consumer: Closed with non-monetary relief