vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-21 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: PA

Complaint narrative:
I am submitting this complaint due to the continued presence of inaccurate, unverifiable, and inconsistent information on my credit reports from Experian, TransUnion, and Equifax, despite my repeated efforts to dispute these issues. Under the Fair Credit Reporting Act ( FCRA ), each of these credit bureaus has a duty to maintain accurate and verifiable information, yet they continue to report outdated addresses, unverifiable accounts, and inconsistent data. Specifically, I dispute outdated and irrelevant addresses, including XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, which violate FCRA 607 ( b ) and 611 ( a ) ( 1 ) ( A ). These addresses must be deleted as they no longer represent my current or valid address. Furthermore, accounts like XXXX XXXX XXXX ( opened XX/XX/XXXX ) and XXXX XXXX XXXX XXXX  show varying balances and late-payment discrepancies across bureaus, violating FCRA 623 ( a ) ( 2 ) and 607 ( b ) for failure to report accurate, consistent data. Similarly, charge-offs such as XXXX XXXX XXXX  and XXXXXXXX XXXX XXXX XXXX XXXX remain, despite being resolved or unverifiable, violating FCRA 605B and 611 . These must be deleted as there is no evidence of ownership or a valid balance. Additionally, the collection accounts from XXXX XXXX XXXX XXXX and XXXX ( XXXX XXXX ) show conflicting balances and histories, violating 623 ( a ) ( 1 ) ( A ), and must be removed as they can not be verified. Lastly, unauthorized inquiries from XXXX ( XX/XX/XXXX ), XXXX XXXX XXXX XXXXXX/XX/XXXX and XX/XX/XXXX ), and XXXX XXXX  ( XX/XX/XXXX ) must be deleted as they lack proof of authorization, in violation of FCRA 604 ( a ) ( 3 ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-21 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: FL

Complaint narrative:
I am submitting this statement to report a case of identity theft involving a fraudulent residential lease obtained in my name. 
I recently discovered that an apartment lease was signed using my personal identifying information without my knowledge or authorization. The lease was for a unit located at XXXX XXXX XXXX XXXX, XXXX  # XXXX, XXXX, Alabama. I did not apply for this apartment, did not sign any lease documents, and have never resided at that address. The individual who submitted the application used my full name, date of birth, Social Security number, prior addresses, and drivers license number to obtain the lease. As a result of unpaid rent and subsequent eviction proceedings related to this account, a balance of approximately {$8500.00} has been reported in collections under my name. 
This fraudulent debt has caused significant harm to my credit and has affected my ability to secure housing, obtain financing, and be approved for credit-related applications. 
I currently reside in XXXX XXXX, Florida, where I have lived for approximately three years. During the period when the fraudulent lease was active, I was residing at my verified address in XXXX XXXX and had a valid lease in place, which I have provided as documentation. I also filed a police report with the XXXX XXXXXXXX XXXX XXXX  and I have submitted the full report to the collection agency ( Columbia Debt Recovery Genesis ) along with a copy of my drivers license and proof of my residence. 
Through my own efforts to understand what occurred, I located publicly available social media content indicating that another individual was residing at the XXXX XXXX address during the relevant period. I am providing this information to the appropriate authorities solely as supporting evidence of identity theft. 
The apartment complex did not verify the applicants identity with a physical photo ID, despite the use of my personal information. I am requesting assistance from the Federal Trade Commission in documenting this identity theft and ensuring that the fraudulent debt, associated collection activity, and related credit reporting are removed from my records. 
I affirm that the information above is true and accurate to the best of my knowledge. I am requesting that this incident be formally recognized as identity theft so I can proceed with the necessary steps to correct my credit file and protect my personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-21 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: EQUIFAX, INC.
State: WA

Complaint narrative:
I am submitting to dispute the inaccurate reporting of my XXXX XXXX Balance : {$990.00} and XXXX  XXXX XXXX Balance : {$300.00} account on my Equifax and TransUnion credit report, this reporting is incorrect. I have never experienced the delinquencies reported, and the account was maintained responsibly in accordance with its terms.

Under FCRA 611 ( a ) ( 1 ), I am exercising my right to a reasonable reinvestigation of this account. I demand that Equifax and TransUnion contact the original creditor directly to verify the accuracy of the reported information. If the creditor can not provide verifiable documentation to substantiate the reported collection or charge-off status, the account must be corrected or updated entirely from my file.

Additionally, FCRA 623 ( a ) ( 1 ) ( A ) requires furnishers to provide only accurate and complete information. Since the current reporting is inconsistent with my verified records, the furnisher must be held accountable to confirm the correct status of this account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-21 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: PA

Complaint narrative:
I am submitting this complaint to dispute the inaccurate reporting of my account XXXX XXXX XXXX XXXX XXXX XXXX XXXX which currently reflects a balance of {$360.00} and a reported 30-day late payment. Upon reviewing my payment history and account statements, I believe this late payment is inaccurate and may be the result of a posting, billing, or administrative error. I am requesting a reinvestigation and correction of this account to ensure that the information on my credit report accurately reflects the verified activity. Under the Fair Credit Reporting Act ( FCRA ) 15 U.S. Code 1666 ( Correction of Billing Errors ), consumers have the right to dispute and request correction of any billing or posting errors that may result in inaccurate credit reporting. Furthermore, FCRA 623 ( a ) ( 2 ) mandates that furnishers of information correct and update any inaccurate or incomplete data, which in this case includes the reported late payment on this account. Additionally, under FCRA 611 ( 15 U.S.C. 1681i ),

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 2025-11-21 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: HI

Complaint narrative:
I am submitting this complaint against the credit bureaus due to their continuous failure to address my dispute letters concerning inaccurate information on my credit report. Despite multiple attempts to resolve this issue through the appropriate channels, the credit bureaus have not acknowledged or investigated my disputes, as required by the Fair Credit Reporting Act ( FCRA ). 

Even after multiple submissions, the credit bureaus have failed to provide any response, confirm an investigation, or correct the disputed information. This lack of action clearly violates the FCRA, which requires credit bureaus to investigate disputes and respond within 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-21 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: GA

Complaint narrative:
XXXXXXXX XXXX I did not authorize this account and I disputed several times with transunion, Equifax, and experian they will not remove this unauthorized account from my credit profile that I did not open They keep denying my dispute last four of my ssn is 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 2025-11-21 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:
XXXXXXXX XXXX I did not authorize this account and I disputed several times with transunion, Equifax, and experian they will not remove this unauthorized account from my credit profile that I did not open They keep denying my dispute last four of my ssn is XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-21 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: PA

Complaint narrative:
I am submitting this complaint to dispute the inaccurate reporting of my account XXXX XXXX XXXX XXXX XXXX XXXX XXXX which currently reflects a balance of {$360.00} and a reported 30-day late payment. Upon reviewing my payment history and account statements, I believe this late payment is inaccurate and may be the result of a posting, billing, or administrative error. I am requesting a reinvestigation and correction of this account to ensure that the information on my credit report accurately reflects the verified activity. Under the Fair Credit Reporting Act ( FCRA ) 15 U.S. Code 1666 ( Correction of Billing Errors ), consumers have the right to dispute and request correction of any billing or posting errors that may result in inaccurate credit reporting. Furthermore, FCRA 623 ( a ) ( 2 ) mandates that furnishers of information correct and update any inaccurate or incomplete data, which in this case includes the reported late payment on this account. Additionally, under FCRA 611 ( 15 U.S.C. 1681i ),

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-21 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 submitting this complaint because both TransUnion and Experian are reporting inaccurate, misleading, and harmful information on my credit reports, creating significant barriers to my financial stability. My files contain personal identifiers that do not belong to me, including the incorrect name XXXX XXXX and several inaccurate addresses such as XXXXXXXX XXXX XXXX XXXX, TX ; 2013 XXXX XXXX in XXXX XXXX, TX ; and an additional XXXX  address variation, none of which I have ever used or lived at. These errors suggest a mixed file and violate the FCRAs requirement for maximum accuracy under 607 ( b ). Both bureaus are also reporting outdated and obsolete information that should have been removed under FCRA 605 ( a ). Furthermore, a XXXX  XXXX charge-off ( Acct : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, Balance {$150.00} ) appears with conflicting and unverifiable details, including inaccuracies in the Date of First Delinquency, violating FCRA 623 ( a ) ( 1 ) ( A ) and 623 ( a ) ( 5 ). I have disputed these issues directly with the bureaus, yet the errors remain and continue to negatively affect my creditworthiness and identity verification. I am requesting oversight because these inaccuracies have caused me loan denials, delays, and unnecessary emotional and financial 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 2025-11-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am filing this complaint because my consumer report contains information that does not belong to me, including an unknown charge-off account. I have attempted to dispute this item but the bureau continues reporting this, violating my rights under the FCRA. This inaccurate item has caused harm, confusion, and a mixed-file situation. I am requesting immediate CFPB intervention. 

XXXX XXXX XXXXXXXX XXXX XXXX  Chargeoff Date Opened : XX/XX/year> Balance : {$13000.00} XXXX XXXX I have no knowledge of this account and never authorized it. Without an original contract or proof tying this account to me, it violates FCRA 607 ( B ) and must be deleted under FCRA 611 ( A ) for lack of verifiable documentation.

I request full reinvestigation and deletion of thisl inaccurate item, as this violation continue to harm me and violate my rights under federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-21 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: TX

Complaint narrative:
I am submitting this complaint because both TransUnion and Experian are reporting inaccurate, misleading, and harmful information on my credit reports, creating significant barriers to my financial stability. My files contain personal identifiers that do not belong to me, including the incorrect name XXXX XXXX and several inaccurate addresses such as XXXXXXXX XXXX XXXX XXXX, TX ; 2013 XXXX XXXX in XXXX XXXX, TX ; and an additional XXXX  address variation, none of which I have ever used or lived at. These errors suggest a mixed file and violate the FCRAs requirement for maximum accuracy under 607 ( b ). Both bureaus are also reporting outdated and obsolete information that should have been removed under FCRA 605 ( a ). Furthermore, a XXXX  XXXX charge-off ( Acct : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, Balance {$150.00} ) appears with conflicting and unverifiable details, including inaccuracies in the Date of First Delinquency, violating FCRA 623 ( a ) ( 1 ) ( A ) and 623 ( a ) ( 5 ). I have disputed these issues directly with the bureaus, yet the errors remain and continue to negatively affect my creditworthiness and identity verification. I am requesting oversight because these inaccuracies have caused me loan denials, delays, and unnecessary emotional and financial XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CLGF Holdco 1, LLC
State: VA

Complaint narrative:
Fraud report on Concora credit XXXX XXXX XXXX XXXX XXXX OR XXXX a collection agency who services new accounts for XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX advertises on multiple websites, example XXXX  and XXXX XXXX  a basic credit card account for fair to excellent credit customers with normal terms. The websites and XXXX XXXX  are intentionally deceiving customers promising a basic card and terms. After you are pre approved and accept an offer an account is opened and you receive a card in the mail. The XXXX XXXX  XXXX  XXXX  would not compare to many other cards if an annual fee is XXXX so the annual fee listed on multiple websites is only XXXX. This is criminal activity opening accounts promising lower fees and then increasing the fees after the accounts are opened. A telephone collection agent through the XXXX number is available to talk to about the mix up and we know they only collect money from people. A collection agent is not customer service and you receive no assistance from them. This is another case of banks taking advantage of us XXXX, Lying opening accounts under false pretenses intentionally to collect more money.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-21 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: TX

Complaint narrative:
I am submitting this complaint regarding multiple inaccurate items on my credit reports across TransUnion, Experian, and Equifax. On TransUnion, my XXXX account ( XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) shows late payments for XX/XX/XXXX ( 90 days ) and XXXX through XX/XX/XXXX ( 120 days ), despite my enrollment in a hardship program that ensured payments would not be reported as late, while the account is also inconsistently listed as Current. TransUnion also reports my XXXX XXXX account ( XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX as a charge-off with a balance of {$34000.00}, last paid XX/XX/XXXX, despite my active payment arrangement during my employment transition and no notice of charge-off from XXXX. On Experian, my XXXX account ( XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) similarly reports late payments for XX/XX/XXXX ( 90 days ), XX/XX/XXXX ( 120 days ), and XX/XX/XXXX ( 150 days ), despite my account being Current and fully compliant under a hardship program, creating contradictory and damaging information. On Equifax, my XXXX  account ( XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) lists late payments for XX/XX/XXXX ( 90 days ), XX/XX/XXXX ( 120 days ), and XX/XX/XXXX ( 150 days ) while showing a Current status, and my XXXX XXXX  account ( XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) is reported as a collection/charge-off with a {$34000.00} balance, last payment XX/XX/XXXX, despite my ongoing payments and no proper notice of charge-off. These inaccurate and contradictory reports have caused emotional XXXX, higher interest rates, and denials of credit despite my good-faith efforts to comply with hardship arrangements and make timely payments.

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 2025-11-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY

Complaint narrative:
Subject : Request for Credit Information Correction - Compliance with 15 U.S. Code 1666b and Other FCRA Provisions I am writing to you as the holder of account number [ Account XXXX ] for my [ credit card, auto loan, and/or mortgage ] to report an issue negatively impacting my credit report. This issue appears to be in violation of the provisions of 15 U.S. Code 1666b and other relevant sections of the Fair Credit Reporting Act ( FCRA ).

According to 15 U.S. Code 1666b, creditors must send periodic statements, including all information required by section 1637 ( b ), at least 21 days before the payment due date. This requirement ensures that consumers have sufficient time to receive, review, and make necessary payments without being unfairly penalized for late payments.

Additionally, the FCRA, specifically sections 15 U.S. Code 1681i and 15 U.S. Code 1681s-2, mandates that credit reporting agencies and information furnishers correct any inaccurate or incomplete information in credit reports and ensure the maximum accuracy of information contained in consumer files.

I have identified that the statements for my [ credit card, auto loan, and/or mortgage ] have not been delivered in compliance with these requirements, resulting in the appearance of late payments on my credit report. This non-compliance has adversely affected my credit score.

Furthermore, I would like to refer to the Protection Against Non-Payment of Obligations Act ( PAANL ), which establishes that creditors must ensure timely delivery of statements to avoid unfair penalties to consumers.

I formally request that you investigate and correct any inaccurate information related to these late payments on my credit report. Below are the details of the affected payments : Date of reported late payment : [ XXXX XXXX XXXX XXXX ] I would appreciate your prompt attention to this matter to rectify any errors in my credit report. I am willing to provide any additional documentation necessary for your investigation. 
I look forward to receiving written confirmation of the actions taken to correct this information and ensure compliance with the relevant regulations. 
Thank you for your attention to this important matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief