vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-10 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: NJ

Complaint narrative:
On XX/XX/year>, I recieved a notification that Columbia Debt Recovery LLC DBA Genesis Credit Management, a collection agency, reported on my XXXX XXXXredit report a balance for a rental apartment that I don't live at and I don't owe. The information was not verified, nor was I communicated with on the amount allegedly owed. This company is not a creditor and they have charged me interest for the amount owed on my credit report of {$520.00} to {$520.00}. They are in direct violation of the FCRA laws 15 USC 1692e 807 False or misleading representations, ( 2 ) The false representation of -- ( A ) the character, amount, or legal status of any debt ; or, and ( B ) any services rendered or compensation which may be lawfully received by any debt collector for the collection of a debt ; 15 USC 1692f 808. Unfair practices ( 1 ) The collection of any amount ( including any interest, fee, charge, or expense incidental to the principal obligation ) unless such amount is expressly authorized by the agreement creating the debt or permitted by law ; and 15 U.S.C. 1692-1692p, in which third-party debt collectors are prohibited from using deceptive or abusive conduct in the collection of consumer debts incurred for personal, family, or household purposes. Not only have are they falsified a balance, they are a third-party agency, that is charging me interest for a debt they have not verified through me. After researching this company, they have no ties to my former rental management who owned the building and used an in-house management. They are illegally reporting like a creditor and they are not a lender ; they also put on my credit report that it is a Collections/Charge-Off Account which is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-10 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: MD

Complaint narrative:
I am writing to dispute certain negative entries currently listed on my credit report. Despite multiple requests and the submission of all necessary supporting documents, these inaccuracies have not been properly addressed. My repeated follow-ups have been met with little to no action, and the continued presence of these errors has caused significant financial and emotional stress. 

Under the Fair Credit Reporting Act ( FCRA ), I have the legal right to an accurate and verifiable credit report. I am requesting that you take immediate and thorough steps to investigate and correct these items. Failure to resolve them in a timely manner would constitute a violation of my rights under federal law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-10 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: NJ

Complaint narrative:
In XX/XX/XXXX, I came across something incredibly troubling someone has been using my name to open fraudulent accounts and credit inquiries without my authorization. I never authorized these fraudulent accounts and credit inquiries at any point, and I'm honestly scared. This feels like a clear case of identity theft. This situation has caused me a great deal of stress, and Im asking for help to BLOCK or REMOVE these unauthorized fraudulent accounts and credit inquiries from my report. 
Those are the items I never authorized them : XXXX XXXX XXXX - Unsecured loan - Account number : XXXX - Date opened XX/XX/XXXX. XXXX  XXXX - Credit Card - Account number : XXXX - Date opened : XX/XX/XXXX. XXXX XXXX, XXXX on XX/XX/XXXX. XXXX XXXX  XXXX, inquiried on XX/XX/XXXX. XXXX XXXX on XX/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 2025-07-10 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: NJ

Complaint narrative:
In XX/XX/XXXX, I came across something incredibly troubling someone has been using my name to open fraudulent accounts and credit inquiries without my authorization. I never authorized these fraudulent accounts and credit inquiries at any point, and I'm honestly scared. This feels like a clear case of identity theft. This situation has caused me a great deal of stress, and Im asking for help to BLOCK or REMOVE these unauthorized fraudulent accounts and credit inquiries from my report. 
Those are the items I never authorized them : XXXX XXXX XXXX - Unsecured loan - Account number : XXXX - Date opened XX/XX/XXXX. XXXX  XXXX - Credit Card - Account number : XXXX - Date opened : XX/XX/XXXX. XXXX XXXX, XXXX on XX/XX/XXXX. XXXX XXXX  XXXX, inquiried on XX/XX/XXXX. XXXX XXXX on XX/XX/XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am filing this complaint because a charge-off accounts continues to appear on my credit report. According to the Fair Credit Reporting Act ( FCRA ), negative information such as charge-offs should be removed. 

These charge-off accounts are past the allowed reporting period and should no longer be shown on my credit report. I respectfully request that this account be removed immediately from all credit reporting databases. 

I attempted to dispute this directly with the credit bureau but the issue has not been resolved. I ask the CFPB to help in ensuring compliance with the FCRA and that outdated, negative information is removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-10 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: SC

Complaint narrative:
I am writing to formally dispute inaccurate information on my credit report that I believe is hurting my financial well-being. I am aware of my rights under the fair Credit Reporting Act and request a through investigation into these inaccuracies as required by federal law. 

Recently the Consumer Financial Protection bureau filed a lawsuit against Experian for the failure to properly investigate consumer disputes citing " sham investigation '' and other unlawful practices. These practices as outlined by the CFPB include : Conducting inadequate investigations and fail to address consumer disputes properly. Reinserting previously disputed and inaccurate information without explanation. Failing to notify consumers about investigation results effectively. These allegations highlight systemic issues that directly undermine consumer protection and perpetuate the inclusion of inaccurate information on credit reports. I am deeply concerned that my dispute was mishandled in a similar manner

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 2025-07-10 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: VA

Complaint narrative:
I have previously disputed with Experian, Equifax and Transunion regarding multiple accounts that are inaccurate. As of today, I have not received any responses or proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non-compliant with the FCRA. These erroneous reports are badly hurting my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

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 2025-07-10 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: VA

Complaint narrative:
I have previously disputed with Experian, Equifax and Transunion regarding multiple accounts that are inaccurate. As of today, I have not received any responses or proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non-compliant with the FCRA. These erroneous reports are badly hurting my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

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 2025-07-10 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: AL

Complaint narrative:
On XX/XX/year>, I sent a complaint to Equifax, Transunion, and Experian, in regards to unauthorized inquiries and inaccurate information about a installment loan being reported on my consumer report, I received no response. On XX/XX/year>, I sent a 609 letter to Equifax, Transunion, and Equifax about these matters, I received no response. On XX/XX/year>, I sent a formal demand to comply letter to Equifax, Transunion, and Experian, I received no response. These companies are not complying with their own terms for responding within 30 days. I am requesting CFPB to order Equifax, Transunion, and Experian, to remove these derogatory and inaccurate items from my consumer report immediately. 


Equifax stated that I have an installment loan for {$35000.00} Equifax now states that I have a installment loan for {$36000.00} Transunion stated that I have a installment loan for {$35000.00} Transunion now states that I have a installment loan for {$36000.00} Experian stated that I have a installment loan for {$36000.00} Experian now states that I have an installment loan for {$36000.00}

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 2025-07-10 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: Experian Information Solutions Inc.
State: AL

Complaint narrative:
On XX/XX/year>, I sent a complaint to Equifax, Transunion, and Experian, in regards to unauthorized inquiries and inaccurate information about a installment loan being reported on my consumer report, I received no response. On XX/XX/year>, I sent a 609 letter to Equifax, Transunion, and Equifax about these matters, I received no response. On XX/XX/year>, I sent a formal demand to comply letter to Equifax, Transunion, and Experian, I received no response. These companies are not complying with their own terms for responding within 30 days. I am requesting CFPB to order Equifax, Transunion, and Experian, to remove these derogatory and inaccurate items from my consumer report immediately. 


Equifax stated that I have an installment loan for {$35000.00} Equifax now states that I have a installment loan for {$36000.00} Transunion stated that I have a installment loan for {$35000.00} Transunion now states that I have a installment loan for {$36000.00} Experian stated that I have a installment loan for {$36000.00} Experian now states that I have an installment loan for {$36000.00}

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 2025-07-10 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: TX

Complaint narrative:
I am writing to draw your attention to the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is crucial to address this matter promptly, as it has had a detrimental impact on both my financial well-being and personal reputation. I kindly request your cooperation in expeditiously removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am fully prepared to provide any necessary evidence and, if required, take legal action to protect my rights and seek appropriate compensation. Your prompt attention to this urgent matter is sincerely appreciated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-10 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: NC

Complaint narrative:
I have previously disputed with Experian, Equifax and Transunion regarding multiple accounts that are inaccurate. As of today, I have not received any responses or proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non-compliant with the FCRA. These erroneous reports are badly hurting my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-10 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: FL

Complaint narrative:
I am submitting this complaint regarding inaccurate information that continues to be reported on my consumer report by Experian, in violation of the Fair Credit Reporting Act ( FCRA ). 

Pursuant to 15 U.S.C. 1681e ( b ), consumer reporting agencies are required to follow reasonable procedures to assure maximum possible accuracy of the information they include. Despite multiple disputes I have submitted, Experian has failed to correct or remove erroneous data from my report.

Additionally, under 15 U.S.C. 1681i ( a ) ( 5 ) ( A ), when the completeness or accuracy of any item of information is disputed and found to be inaccurate or unverifiable, the credit bureau must delete or modify that item. Experian has not complied with this obligation, as the inaccurate account remains on my file even after several dispute attempts.

I am requesting the CFPBs assistance in investigating this matter and ensuring Experian complies with federal law. Disputes [ XX/XX/XXXX, XX/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 2025-07-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
In XX/XX/XXXX, I submitted a formal dispute to Equifax concerning the reporting of a charged-off XXXX XXXX credit card account with a balance of {$18000.00}. The account was closed in XX/XX/XXXX by the creditor, yet Equifax continues to report the account in a way that is inaccurate, incomplete, and materially misleading. 

Specifically : Equifax is reporting repeated CO ( charge-off ) notations from XX/XX/XXXX through XX/XX/XXXX, violating Metro 2 standards. A charge-off should be recorded only once and not appear in subsequent monthly payment history fields. 

The entire balance is incorrectly shown as past due, even though the account was written off years ago. This implies ongoing delinquency, which is false and unfairly damaging to my credit profile. 

The monthly payment field is blank, instead of showing {$0.00} as required for charged-off accounts, which may mislead automated scoring systems or potential lenders.

There is no clear Date of First Delinquency ( DoFD ) listed, which is a required data field under FCRA 605 ( c ) to ensure the account is removed at the appropriate time. 

These reporting issues collectively create the impression of an active, repeatedly delinquent account when, in fact, the debt was written off nearly four years ago. I respectfully request regulatory intervention to ensure accurate and fair credit reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-10 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: IL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you the TransUnion 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. These fraudulent accounts consist of an account opened at XXXX XXXX XXXX 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 have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard Inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-10 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: NJ

Complaint narrative:
Two collection accounts have recently appeared on my credit report that I did not authorize, open, or consent to in any way. I am formally disputing these accounts and demanding their immediate and permanent removal. The accounts are as follows : Account # XXXX, opened on XX/XX/year> with a balance of {$1400.00}, and Account # XXXX, opened on XX/XX/year> with a balance of {$2600.00}. Whats even more concerning is that both accounts were reported without any creditor name listed, making it impossible for me to identify who is allegedly reporting this debt or to verify the legitimacy of these claims. This alone violates the Fair Credit Reporting Act, which requires credit information to be complete, accurate, and verifiable. Under 15 U.S.C. 1681b, no permissible purpose exists for these accounts to be reported on my file, as I never gave consent or written authorization. Under 15 U.S.C. 1681e ( b ), consumer reporting agencies are required to ensure the maximum possible accuracy of the information they include in consumer files. Reporting collection accounts without the creditors name, and my consent or knowledge, is not only misleading, it's a failure to meet basic compliance obligations under federal law. You didn't fully verify these accounts identifying creditor information ; they must be removed under 15 U.S.C. 1681i. Continued failure to correct or remove unverifiable information may expose you to liability under 15 U.S.C. 1681n and 1681o for willful or negligent noncompliance, which allows for statutory damages of up to {$1000.00} per violation. I am demanding that these unauthorized, incomplete, and inaccurate collection accounts be permanently deleted from my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-10 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: EQUIFAX, INC.
State: GA

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and am requesting their removal.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-10 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: NV

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the TransUnion LLC Consumer Dispute Center, 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. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief