vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
To Whom It May Concern : RE : URGENT Request for Investigation and Removal of Fraudulent Address from Credit File I am writing to formally dispute the presence of the following address listed on my credit report. I have never authorized or consented to this address being associated with my identity or credit file, and I believe it may have been added fraudulently or in error : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, FL XXXX This address is not and has never been my legal residence. I do not have any credit, financial, or personal ties to this location, and I am concerned that its presence on my credit report may be the result of identity compromise or reporting error. It is imperative that this address be removed from my file immediately. 
In accordance with my rights under the Fair Credit Reporting Act ( FCRA ), I am requesting an investigation into how this address came to be listed on my report, and I demand its prompt removal from all associated records. 

Section 611 ( 15 U.S. Code 1681i ) Section 605B ( 15 U.S. Code 1681c2 ) Section 609 ( 15 U.S. Code 1681g ) Section 609 ( e ) ( 15 U.S. Code 1681g ( e ) ) I have enclosed the following for identity verification : - A recent utility bill and bank statement showing my current, correct address Due to the time-sensitive nature of my current housing situation, I respectfully ask that you expedite this matter and provide written confirmation once the address has been fully deleted from my 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 2025-07-25 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 dispute several items on my Experian credit report, which I reviewed on XX/XX/year>. The following accounts have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 and should be deleted immediately : DEPT OF ED / XXXX XXXX DEPT OF ED XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Upon review of my credit report, I noticed several inaccuracies and incomplete information. According to the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681 ( e ) ( b ), whenever a consumer reporting agency prepares a report, it is legally required to follow reasonable procedures to ensure maximum possible accuracy of the information contained in the report. 

Additionally, per 15 USC 1681i ( 5 ), if any information disputed by a consumer is found to be inaccurate, incomplete, or unverifiable, the consumer reporting agency is obligated to either promptly delete or modify that information and notify the furnisher of the data accordingly. 

Furthermore, according to 15 USC 1681s-2, a person or entity may not furnish information to any consumer reporting agency if they know or have reasonable cause to believe the information is inaccurate.

As such, I am requesting the immediate deletion of the unauthorized, fraudulent accounts listed above from my credit report. These accounts have caused undue harm to my creditworthiness and violate my rights under the Fair Credit Reporting Act. 

Please correct my report in accordance with the law and promptly provide me with an updated copy of my credit file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-25 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: AL

Complaint narrative:
I am writing to formally dispute several items on my Experian credit report, which I reviewed on XX/XX/year>. The following accounts have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 and should be deleted immediately : DEPT OF ED / XXXX XXXX DEPT OF ED XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Upon review of my credit report, I noticed several inaccuracies and incomplete information. According to the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681 ( e ) ( b ), whenever a consumer reporting agency prepares a report, it is legally required to follow reasonable procedures to ensure maximum possible accuracy of the information contained in the report. 

Additionally, per 15 USC 1681i ( 5 ), if any information disputed by a consumer is found to be inaccurate, incomplete, or unverifiable, the consumer reporting agency is obligated to either promptly delete or modify that information and notify the furnisher of the data accordingly. 

Furthermore, according to 15 USC 1681s-2, a person or entity may not furnish information to any consumer reporting agency if they know or have reasonable cause to believe the information is inaccurate.

As such, I am requesting the immediate deletion of the unauthorized, fraudulent accounts listed above from my credit report. These accounts have caused undue harm to my creditworthiness and violate my rights under the Fair Credit Reporting Act. 

Please correct my report in accordance with the law and promptly provide me with an updated copy of my credit file.

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 2025-07-25 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: WI

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute inaccurate and damaging information reported on my credit report, which has resulted in an unjustified drop of more than XXXX points to my credit score. I am requesting that the Consumer Financial Protection Bureau investigate these issues and assist with resolving them promptly. 

Issues in Dispute : Incorrect Missed Payment Reporting : My credit report inaccurately reflects missed payments for XXXX and XX/XX/year>. This is incorrect. I made multiple timely payments in XXXX, including : XX/XX/year> {$580.00} XX/XX/year> {$1100.00} XX/XX/year> {$1300.00} Despite these payments, my account was reported as 90 days delinquent without proper prior notification, as required under the Fair Credit Reporting Act ( FCRA ). I was never advised of my delinquency status prior to it being reported to the credit bureaus. 

Lack of Notification Regarding Forbearance Dates : I did not have access to my account during this period and was not notified of the forbearance end date. I reached out by phone to seek clarification but was not given accurate or accessible information from my servicer. As a result, I had no opportunity to correct any confusion or adjust my payments in a timely manner. 

Payment History Since Notice : After being notified by my local credit union, not by my actual lender, I have made every effort to bring the account current. Since then, I have made consistent payments and should not be penalized by the continued presence of a XXXX delinquency on my credit file. 

Incorrect Loan Balances Across Credit Reporting Agencies : As of the date of this letter, the following balances are either outdated or inaccurately reported : Direct Subsidized Loan XXXX : {$3300.00} Direct Subsidized Loan XXXX : Should reflect a {$0.00} balance, but continues to show {$0.00}, Until I submit payment then it shows a {$0.00} balance. 

Direct Subsidized Loan XXXX : {$3600.00} Direct Subsidized Loan XXXX : {$4600.00} These discrepancies continue to affect my credit standing, limit access to financial opportunities, and reflect poorly on my responsible payment behavior. 

Attached to this letter are supporting documents including payment confirmations, credit report excerpts, and my identification for verification purposes. 

Please confirm receipt of this letter and notify me promptly of any findings or updates in your investigation. 

Thank you for your time and attention to this matter. 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Upon reviewing my report, I discovered multiple discrepancies that need immediate correction. I am requesting that you promptly investigate and correct these inaccuracies in accordance with the Fair Credit Reporting Act ( FCRA ).

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 2025-07-25 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: TX

Complaint narrative:
I am disputing inaccurate and unfair negative items reported on my credit files by Experian is specifically reporting the following : XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - Collection/Chargeoff These items are reported without proper verification, documentation, or compliance with the updated credit reporting protections under SB5480.

SB5480 strengthens consumer protections by requiring credit bureaus and debt collectors to properly verify, document, and review medical debt and other negative items, especially when disputed. 

Despite my attempts to correct these inaccuracies, the bureaus have continued to report them, which negatively impacts my creditworthiness.

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 2025-07-25 00:00:00
Product: Debt collection — Rental debt
Issue: Electronic communications — Frequent or repeated messages
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: NY

Complaint narrative:
My name is XXXX XXXX, and I have received multiple threats from civil court attorneys. My personal information has been compromised, and an intruder has unlawfully entered my apartment in XXXX, XXXX. An activist has persistently engaged in the court system by leveraging the XXXX XXXX to pursue my private information. This activist has utilized their professional character to maintain their position while targeting both my son and me. The landlord used multiple of resource to share my information with other arbitrary parties that I did not consent, but continued to use those arbitrary parties to gain access of political votes to help the district or the council to enhance XXXX and social economic votes.This activist has leveraged their professional persona to uphold their stance while directing their efforts against both my son and myself. The landlord employed various resources to disseminate my information to other unrelated parties without my consent, yet persisted in utilizing these unrelated parties to secure political votes aimed at assisting the district or the council in improving XXXX and socio-economic voting outcomes. 

I have reached out to several bankruptcy law firms and organizations for assistance with my situation. Regrettably, I have been directed to an organization where communication with lawyers is challenging, and the intake specialists are not providing support for my case. Instead, they seem to prefer cases that will benefit the organization or their district. The financial district is tainted by the presence of certain intake employees. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: AZ

Complaint narrative:
Keep receiving letters from debt collectors for debts I do not owed

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-25 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 filing a formally complaint to dispute certain items on my credit report that appear to have been accessed or reported without my authorization or without a permissible purpose, as required by the Fair Credit Reporting Act ( FCRA ), specifically 604 ( f ) 15 U.S.C. 1681b ( f ).

Under this statute, a consumer reporting agency may not furnish a consumer report to any person or entity not authorized to receive it under the Act. After carefully reviewing my credit report, I have identified the following items that I believe were obtained and/or reported in violation of this section : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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>

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 2025-07-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: NAVY FEDERAL CREDIT UNION
State: NJ

Complaint narrative:
I am submitting this complaint due to multiple inaccurate and unverifiable accounts being reported by XXXX, which are harming my credit profile and violating the Fair Credit Reporting Act ( FCRA ). 
I submitted a formal written dispute ( Confirmation # XXXX ) to XXXX, XXXX, XXXX, regarding the following accounts : 1. Navy Federal Credit Union Account ending in XXXX XXXX. XXXX XXXX Account ending in XXXX XXXX. XXXX XXXXXXXX XXXX XXXX XXXXXXXX Account ending in XXXX XXXX. XXXX XXXX Account ending in XXXX XXXX XXXX XXXX Account ending in XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts reflect inaccurate balances, unverifiable payment history, and data that was not corrected after my previous dispute. 
I have not received full validation, including : Original signed contracts Full payment history Chain of custody XXXX  has not fulfilled its obligations under : 15 U.S.C. 1681i failure to investigate and correct 15 U.S.C. 1681e ( b ) failure to ensure maximum accuracy 15 U.S.C. 1681s-2 ( b ) failure of furnishers to respond with verified information

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-25 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: HW Holding, Inc
State: FL

Complaint narrative:
I respectfully request the removal of all fraudulent accounts from my credit report. Your prompt attention to this matter is greatly appreciated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-25 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: NC

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 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-25 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: LA

Complaint narrative:
I submitted disputes to TransUnion, Equifax, and Experian concerning inaccurate personal information, unauthorized hard inquiries, and multiple unverifiable tradelines that are being reported on my credit file. Despite my good-faith efforts to correct the record, all three credit reporting agencies failed to conduct a proper reinvestigation as required by 15 U.S.C. 1681i, failed to ensure maximum possible accuracy per 1681e ( b ), and are continuing to publish information that is false, incomplete, or legally unenforceable.

These consumer reporting agencies are reporting : Unauthorized hard inquiries made without my consent or any permissible purpose under 1681b, including multiple automotive lenders, credit card issuers, and online fintech companies. 

Personal identifiers and address information that are outdated, inaccurate, or not connected to me, including aliases and addresses I have never used. 

Derogatory tradelines that lack any supporting evidence of a legally binding contract, consideration, or debt ownership in direct violation of Louisiana contract law ( La. Civ. Code arts. 1927 & 1966 ), which voids any obligation lacking mutual consent and lawful cause. 

Accounts that have been sold or charged off but continue to report open balances or active delinquencies, which is misleading and materially harms my creditworthiness. 

These agencies were also notified that many of the debts have been sold to third parties, but no proper chain of title or validation of the debt was produced. Yet, they continued to verify these accounts as accurate without producing any method of verification under 1681i ( a ) ( 6 ) ( B ) ( iii ). 

As a result of these violations, I have suffered damage to my credit scores, been denied credit opportunities, and endured undue stress and reputational harm. I am requesting immediate enforcement action to require TransUnion, Equifax, and Experian to fully delete the disputed accounts, remove all unauthorized inquiries, and correct all inaccurate personal information from my credit file.

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 2025-07-25 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: Chime Financial Inc
State: CA

Complaint narrative:
XX/XX/year>XXXX  {$230.00} And I contacted Chime and they gave me no explanation for closing my account

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-25 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: LA

Complaint narrative:
I submitted disputes to TransUnion, Equifax, and Experian concerning inaccurate personal information, unauthorized hard inquiries, and multiple unverifiable tradelines that are being reported on my credit file. Despite my good-faith efforts to correct the record, all three credit reporting agencies failed to conduct a proper reinvestigation as required by 15 U.S.C. 1681i, failed to ensure maximum possible accuracy per 1681e ( b ), and are continuing to publish information that is false, incomplete, or legally unenforceable.

These consumer reporting agencies are reporting : Unauthorized hard inquiries made without my consent or any permissible purpose under 1681b, including multiple automotive lenders, credit card issuers, and online fintech companies. 

Personal identifiers and address information that are outdated, inaccurate, or not connected to me, including aliases and addresses I have never used. 

Derogatory tradelines that lack any supporting evidence of a legally binding contract, consideration, or debt ownership in direct violation of Louisiana contract law ( La. Civ. Code arts. 1927 & 1966 ), which voids any obligation lacking mutual consent and lawful cause. 

Accounts that have been sold or charged off but continue to report open balances or active delinquencies, which is misleading and materially harms my creditworthiness. 

These agencies were also notified that many of the debts have been sold to third parties, but no proper chain of title or validation of the debt was produced. Yet, they continued to verify these accounts as accurate without producing any method of verification under 1681i ( a ) ( 6 ) ( B ) ( iii ). 

As a result of these violations, I have suffered damage to my credit scores, been denied credit opportunities, and endured undue stress and reputational harm. I am requesting immediate enforcement action to require TransUnion, Equifax, and Experian to fully delete the disputed accounts, remove all unauthorized inquiries, and correct all inaccurate personal information from my credit file.

Company response to consumer: Closed with non-monetary relief