vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-19 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: GA

Complaint narrative:
Company Name : XXXX XXXX XXXX Address : XXXX XXXX XXXXXXXX, XXXX, GA XXXX Dispute Date ( Certified Letter Sent ) : XX/XX/year> Response Received : NONE as of XX/XX/year> Consumer Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX, XXXX, GA XXXX Email : XXXX Phone : XXXX Account : XXXX XXXX XXXX ( last XXXX of account unknown, still reporting on TransUnion ) Complaint Summary : I am filing this complaint against XXXX XXXX XXXX for multiple violations of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ) regarding a disputed auto loan account. 



Key Violations : Failure to Respond to Certified Dispute : I mailed a certified dispute letter on XX/XX/year> to XXXX XXXX XXXX, which included a full dispute of the debt, a request for validation, and supporting identity documents. As of XX/XX/year>, no written response has been received. 

No Validation Provided : Under 15 U.S. Code 1692g ( FDCPA ) and FCRA Section 611, furnishers must validate disputed debts when requested. XXXX failed to provide any documentation validating the accuracy of the debt, terms, balance, or ownership. 

Retroactive Re-Aging of Payment History : After receiving my dispute, XXXX updated my credit report to reflect a new, more recent delinquency, which worsened my credit standing. This re-aging of delinquency appears to be punitive and without proper basis, which is a direct violation of FCRA 623 ( a ) ( 2 ) and Metro 2 guidelines.

Failure to Mark Account as Disputed : In addition to failing to validate the debt, XXXX continued to report the account as accurate without marking it as disputed by consumer on TransUnion, which is required under FCRA 623 ( a ) ( 3 ). 

Ongoing Damage to My Credit Profile : The continued reporting of this unvalidated and re-aged account is causing serious and ongoing harm to my credit score and financial opportunities, including credit denials and higher interest rates. Transunion validated my identity with a name that doesn't belong to me or on my id or social security card. I believe this mistaken identity

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-19 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:
This letter is a formal dispute regarding the accuracy of certain hard inquiries listed on my credit profile. I have no affiliation or credit activity that would have prompted such inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-19 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: UT

Complaint narrative:
Subject : Illegal collection for lease terminated due to XXXX XXXXXXXX ongoing inaccurate reporting and harassment What happened : In 2021, I was forced to break my lease early due to XXXX XXXXXXXX in my home. I followed all proper legal procedures required under California Civil Code 1946.7, including giving written notice and providing documentation. Under this law, tenants who are survivors of XXXX XXXXXXXX are not liable for early termination fees. 

Despite this, a collection account for {$5000.00} appeared on my credit report nearly a year later. The collection agency associated with this debt has harassed me and my former roommate, eventually pressuring him into paying {$1000.00} toward the balance to stop the collection activity. After that, the account was temporarily removed but it keeps reappearing on my credit reports, sometimes reporting a balance of {$0.00}, other times {$5000.00}. This has been going on for years, and its damaging my credit and causing significant emotional distress. 

I have disputed this item multiple times with the credit bureaus. I have also contacted the collection agency and requested validation of the debt. The agency has failed to provide appropriate documentation and continues to report inconsistent and inaccurate information in violation of the Fair Credit Reporting Act ( FCRA ). 

This is a clear violation of California tenant protections, FCRA, and potentially the Fair Debt Collection Practices Act ( FDCPA ). The continued reporting of this account is not only incorrect but also retraumatizing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-19 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: FL

Complaint narrative:
I am filing this complaint because the consumer reporting agency failed to comply with 15 U.S.C. 1681i ( a ) ( 7 ) of the Fair Credit Reporting Act ( FCRA ), which requires them to provide a detailed description of their reinvestigation procedures upon request. I formally requested that the agency disclose the steps it took to verify disputed items on my credit reportincluding the name and contact details of the furnisher, the individual they communicated with, and the documentation used to validate the accounts accuracy. Despite this request, the agency has not responded with the required information within the 15-day timeframe mandated by law. This lack of transparency and procedural disclosure is a violation of my rights under the FCRA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-19 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 value my credit the same as everyone else 's which is why I'm really upset about the mistakes I saw on my credit report. They are mixed, fraudulent information that Ive never authorized or benefited from. These errors are causing me a lot of stress and its affecting everything. I need you to make sure all this information is 100 % correct and I went them done ASAP. These mistakes are taking a toll on my credit and my life, and I need it taken care of now. Get this fixed immediately and confirm that you have removed all these fraudulent transactions and account from my credit report ASAP.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-19 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: Aargon Agency, Inc.
State: IL

Complaint narrative:
This collection agency has used deceptive and abusive practices that violate the Fair Debt Collection Practices Act ( FDCPA ). They added a collection to my credit profile without my consent or agreement. No contract was signed by both parties - a requirement under contract law. They also failed to complete the required five-step validation process under the FDCPA. As a result, I am entitled to statutory damages of {$1000.00} per violation. 
Resolution Requested : I request immediate removal of this collection from all credit bureaus ( Experian, Equifax, and Transunion ). 
Failure to comply may result in legal escalation and a formal claim for damages.

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 2025-07-19 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: VA

Complaint narrative:
Hello, my name is XXXX XXXX, I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the change. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission, and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible. 

Fraudulent Accounts : XXXX fin Account Opened : XX/XX/XXXX Balance : {$16000.00} XXXX XXXX XXXX Account Opened : XX/XX/XXXX Balance : {$23000.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-19 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 notifying you that there is an address listed on my credit report that is neither accurate nor authorized. This misinformation violates my rights under federal consumer protection laws.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
Midland Credit Management XXXX must have purchased the debt attached to a XXXX XXXX account that is not mine. I saw on my credit report that the originator of the debt is XXXX XXXX XXXX  I have disputed the account and XXXX XXXX can not provide any evidence that the account is mine. I have never opened any accounts with Midland either.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-19 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: 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. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX This CFPB complaint has been filed to request pursuant to FCRA 6058 ( 15 U.S.C. 1681c-2 ) that you, the XXXX Experian

, and Equifax credit reporting agency . I request that you ( CFPB ) 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. In accordance with the Fair Credit Reporting act, inaccurate collections such as XXXX XXXX XXXX opened XX/XX/XXXX Amount {$160.00} Collections It is illegal to remove and place back on my credit consumer profile according to 15 USC 1681 5 & USC 1681 ( e ) ( b ). 

XXXXXXXX XXXX XXXXXXXX Opened XX/XX/XXXX Amount {$320.00} Collections ( b ). & 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX XXXX XXXX  Opened XX/XX/XXXX Amount {$1200.00} Collections DEPTEDXXXX  opened XX/XX/XXXX Amount {$60000.00} Student debt DEPTEDXXXX opened XX/XX/XXXX Amount {$3500.00} Student debt DEPT OF EDXXXX Opened XX/XX/XXXX Amount {$4000.00} Account # XXXX Student debt DEPT OF ED/XXXX  opened XX/XX/XXXX Amount {$4500.00} Account # XXXX Student debt DEPT OF ED/XXXX  Opened XX/XX/XXXX Amount {$3500.00} Account # XXXX Student debt DEPT OF ED/XXXX  Opened XX/XX/XXXX Amount {$2000.00} Account # XXXX Student debt DEPT OF ED/XXXX  Opened XX/XX/XXXX Amount {$2000.00} Account # XXXX Student debt DEPT OF ED/XXXX  Opened XX/XX/XXXX Amount {$3500.00} Account # XXXX Student debt DEPT OF ED/XXXX  Opened XX/XX/XXXX Amount {$2000.00} Account # XXXX Student debt DEPT OF ED/XXXX  Opened XX/XX/XXXX Amount {$4500.00} Account # XXXX Student debt DEPT OF ED/XXXX  Opened XX/XX/XXXX Amount {$2000.00} Account # XXXX Student debt DEPT OF ED/XXXX  Opened XX/XX/XXXX Amount {$4000.00} Account # XXXX Student debt DEPT OF EDUCATION/XXXX  Opened XXXX XXXX, XXXX Amount {$6000.00} Account # XXXX Student debt DEPT OF EDUCATION/XXXX  Opened XXXX XXXX, XXXX Amount {$3500.00} Account # XXXX Student debt DEPT OF EDUCATION/XXXX  Opened XXXX XXXX, XXXX Amount Account # Student debt DEPT OF ED/XXXX  Opened XXXX XXXX, XXXX Amount {$60000.00} Account # XXXX Student debt XXXX XXXX  Opened XX/XX/XXXX Amount {$530.00} Closed account XXXX XXXX Opened XX/XX/XXXX Amount {$0.00} Closed account XXXX XXXX XXXX Opened XX/XX/XXXX Amount {$0.00} Closed account All the accounts are falsely on my Experian, XXXX XXXX and Equifax consumer credit profile . I would like these accounts deleted with in 4 days of receiving this complaint.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-19 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: TX

Complaint narrative:
I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing. The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

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 2025-07-19 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: NC

Complaint narrative:
These entries are incorrect and do not accurately reflect my actual payment history. I have made multiple attempts to get these discrepancies investigated and corrected, yet no meaningful action has been taken. Despite providing all necessary documentation and following up several times, these errors remain unresolved. This ongoing issue has caused financial stress and has taken a serious toll on my well-being. Dealing with these inaccurate entries has been frustrating and exhausting. Under the Fair Credit Reporting Act ( FCRA ), I have the right to a credit report that accurately represents my financial history. This includes the prompt correction of outdated or incorrect information. I urge you to take immediate action to update or remove these late payment entries, as failing to do so is a direct violation of my rights under federal law. 
I appreciate your prompt attention to this matter and expect a resolution as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-19 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:
TransUnion was Breach of Contract had my personal information stolen.

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 2025-07-19 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: CA

Complaint narrative:
TransUnion was Breach of Contract had my personal information stolen.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-19 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: IN

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGEDORNOT.

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 2025-07-19 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:
Good day, filing this complaint to follow up my previous letters that I'm requesting for correction or update of the accounts listed below. I am firmly convinced that the reporting of these accounts is inaccurate, resulting in a negative impact on my credit standing. Despite my diligent efforts to recall any interactions with these accounts, I have found no evidence of conducting business with them or receiving any services. This discrepancy raises concerns about the accuracy and validity of the reported items. The following are the accounts that I request to be investigated and updated : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-19 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: NJ

Complaint narrative:
Good day, filing this complaint to follow up my previous letters that I'm requesting for correction or update of the accounts listed below. I am firmly convinced that the reporting of these accounts is inaccurate, resulting in a negative impact on my credit standing. Despite my diligent efforts to recall any interactions with these accounts, I have found no evidence of conducting business with them or receiving any services. This discrepancy raises concerns about the accuracy and validity of the reported items. The following are the accounts that I request to be investigated and updated : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Consumer complaint received 2025-07-19 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 need you to look into the mistakes on my credit report immediately. I'm deeply concerned about these errors and they've been causing me stress and it's also impacting my ability to secure new credit. They are mixed, fraudulent information that Ive never authorized nor benefited from. Please make sure all my information is 100 % correct. This situation is unfair and my rights are being violated which is absolutely distressing. Do anything necessary to remove them from my report now!

Company response to consumer: Closed with non-monetary relief