vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-08 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: GA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- 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. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA.

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am extremely frustrated because I just checked my credit report this morning and saw that unauthorized inquiries are still showing up. Even after refreshing my browser, nothing was removed. I need you to carefully review the documents Ive already sent so that I can finally put this behind me.

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 2025-09-08 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: MD

Complaint narrative:
I am writing to dispute the inaccurate information reported on my credit report with Experian. I have previously submitted disputes regarding these inaccuracies, but they have not been corrected, which continues to affect my credit score and financial standing. 
As you are aware, the Consumer Financial Protection Bureau ( CFPB ) filed a lawsuit against Experian for failing to properly investigate consumer disputes and for reporting inaccurate information on credit reports. I am referencing this case as part of my ongoing dispute, as I believe that my situation falls under the same issues cited in the CFPBs action. 
I have already submitted multiple disputes regarding these inaccuracies, and they have yet to be corrected. This failure to address and resolve the discrepancies not only violates the Fair Credit Reporting Act ( FCRA ) but also directly impacts my ability to access credit, and in some cases, negatively affects my interest rates and loan opportunities. 
As per the FCRA and as demonstrated in the CFPBs case against Experian, I request that you : Immediately investigate these disputes. You are required to conduct a reasonable investigation into the accuracy of the information and correct any inaccuracies within 30 days. 
Provide an update or resolution. Please notify me of the findings and actions taken with respect to my disputes. 
Remove any unverifiable or inaccurate information. If you can not verify the accuracy of the information in question, I request that you remove it from my credit report entirely. 
Additionally, please provide me with a written confirmation of the actions taken, including an updated copy of my credit report reflecting the corrections. 
I trust that you will resolve this matter promptly and in compliance with all applicable laws and regulations. 
Thank you for your attention to this matter. I look forward to your swift response.

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 2025-09-08 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am formally disputing the fraudulent accounts currently appearing on my credit report. I have never authorized or maintained these accounts, and their reporting is an inaccurate reflection of my financial history. Their inclusion poses significant harm to my creditworthiness, damages my reputation, and interferes with my ability to manage financial opportunities fairly.

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 2025-09-08 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: NY

Complaint narrative:
I am writing once again regarding the fraudulent items that continue to show up on my credit report. Despite my repeated disputes and attempts to fix this matter, these unauthorized entries are still present. This ongoing problem is extremely frustrating and raises serious concerns about why these inaccuracies have been allowed to remain for such a long time. I have also noticed errors in my personal information, which is contributing to these unknown and inaccurate accounts appearing under my name. As a victim of identity theft, I filed an FTC report as instructed by Experian and submitted it, yet these fraudulent items remain unresolved.

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 2025-09-08 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: TX

Complaint narrative:
This complaint is not submitted in error. My credit report lists accounts I never opened, authorized, or managed. Their presence is inaccurate and harming my credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-08 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: PA

Complaint narrative:
I am requesting that the following items be removed or corrected on my credit report : PLEASE REMOVE THESE FRAUDULENT INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  PLEASE UPDATE AND CORRECT THIS LATE PAYMENT ACCOUNTS REPORTING : 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 2025-09-08 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: MN

Complaint narrative:
The following address currently listed and showing on my Experian, Equifax and XXXX XXXX credit report, is not my address : XXXX XXXX XXXX, XXXXXXXX XXXX XXXX, XXXX XXXX, Iowa XXXX. I have never resided or lived at the above address.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-08 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: DC

Complaint narrative:
I am requesting the removal of inaccurate and unauthorized accounts from my credit report. These items were not opened, authorized, or verified by me, and l 've attached documentation in support of this claim. These accounts and inquiries do not belong to me and were added without my permission or proper verification.

I've submitted supporting documentation, including a consumer statement and official FTC report, to verify this matter. I am requesting these items be removed so my credit report reflects only accurate, verifiable information. Under Section 605B of the Fair Credit Reporting Act, I am exercising my right to block this information from appearing on my credit profile.

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 2025-09-08 00:00:00
Product: Debt collection — Other 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: DC

Complaint narrative:
In XX/XX/year>, my partner and I applied for an apartment at an apartment building named XXXX. We were subsequently denied because my income didn't meet the requirements and my partner did not have any income at the time. 

After we were denied, we received an email saying we had remaining fees which didn't make sense because we never were approved and therefore, never signed a lease. 

A few months later, we received an email from the apartment building company saying we still owed them money. I, regretfully, ignore this email and then it went to collections at COLUMBIA DEBT RECOVERY XXXX DBA GENESIS. I reached out to this company to see what paperwork they had and told them it was a mistake because I never lived at this apartment. The paperwork they provided as " proof '' is my application, which they're calling a lease, and a statement that contains no further information other than I had a balance of {$500.00}. 

When I called them again to say what the issue was they told me " Sometimes there are amenity fees that are charged when you apply. '' The building never told me I needed to pay an amenity fee no was it included in the paperwork I signed ( also attached ). Their own website outlines the only fees charged before move in are the application fee and security deposit ( which is refundable ). 

I've attached the documents they sent, further correspondence with them, the building website screenshot showing I didn't have to pay an amenity fee, and the paperwork I signed. 



.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-08 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Confusing or misleading advertising or marketing — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CO

Complaint narrative:
On XX/XX/year>, I visited the Bank of America branch at XXXX XXXX XXXX XXXX, XXXX  XXXX, CO to cash a prize check issued from Wheel of Fortune in the amount of {$20000.00}. The check was drawn on Bank of America. 

Prior to my visit, I had already confirmed through the Bank Manager at a sister location that this branch had sufficient funds and could process my check. That confirmation was obtained from XXXX XXXX ( AVP and Financial Center Manager ) of the XXXX XXXX. branch. 

When I arrived, I was told XXXX was unavailable. Instead, I sat with XXXX XXXX ( Relationship Banker/Teller ), while XXXX XXXX XXXX Senior Banker ) oversaw the transaction. 

For approximately XXXX XXXX, XXXX and XXXX reviewed and verified the check. They confirmed : - The routing and account numbers were valid. 
- Both signatures matched. 
- Funds were available in the account. 

Despite all verification being satisfied, I was ultimately told by XXXX XXXX that she was not comfortable cashing the check. Her stated reasons included : - The check does not have an exact match to what we have in our system for previous checks. 
- The style of the check was not the same as previous checks. 
- The check images she reviewed were for significantly less amounts. 
She even speculated aloud that perhaps the studio changed the style of the checks. 

After she stepped away, XXXX XXXX further explained that the issue was the check format and that if he cashed the check and it didnt match prior formats, Bank of America could be audited and get a failure, and the bank would then be liable. He stated that ultimately, its just a discretion of the bank as far as risk goes. 

I find this unacceptable. This was a valid check drawn on Bank of America, with available funds and verified authenticity. The refusal to cash it based on speculation about formatting was unfair, unprofessional, and caused unnecessary hardship.

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 2025-09-08 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: NY

Complaint narrative:
I am submitting this complaint with absolute certainty and deep frustration. My credit report contains multiple errors that I can no longer ignore, as they have been severely damaging my credit score and limiting my ability to achieve financial freedom and stability.

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 2025-09-08 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: PR

Complaint narrative:
I am writing to formally submit a complaint regarding the handling of inaccurate information on my credit report by the credit reporting agencies, despite my repeated efforts in dispute these errors. Despite multiple disputes filed with the bureau, they have failed to take appropriate action to update or delete these inaccuracies as required by law. This negligence has persisted despite my lawful right, under the Fair Credit Reporting Act ( FCRA ), I5 U.S.C. 1681, to have my credit report reflect only accurate and verifiable information. The FCRA mandates that credit reporting agencies ensure the accuracy of information ( 15 U.S.C.le ( b ) ) and conduct a reasonable investigation of disputes raised by consumers ( 15 U.S.C. 1681 ). The account in question, listed below, contain incorrect information that I have repeatedly disputed : LATE PAYMENT ACCOUNT : XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I am writing to formally dispute inaccurate and/or unverifiable information appearing on my credit report as provided by your agency, [ Experian, TransUnion, Equifax ] . Under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681e ( b ), you are required to follow reasonable procedures to assure maximum possible accuracy of the information you report. Additionally, 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) requires that any information found to be inaccurate, incomplete, or unverifiable must be deleted or corrected promptly after a reinvestigation. 
After reviewing my credit report dated XX/XX/year> ( Reference # XXXX ), I have identified the following inaccuracies : Accounts in Dispute : XXXX XXXX XXXX XXXX XXXX ( multiple tradelines ) Reporting inconsistent delinquency information across bureaus, including past due balances and statuses that do not match my records. 
XXXX XXXX ( Acct ending XXXX ) Inaccurate reporting of past-due history ; account is current. 
XXXX XXXX Showing as charged off despite being transferred/purchased by another lender. 
XXXX XXXX  XXXX XXXX XXXX XXXX XXXX accounts Reporting as charge-offs with inconsistent dates and statuses across bureaus. 
XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX accounts showing contradictory last payment and last active dates, some unverifiable. 
XXXX Self-Reported Accounts ( XXXX XXXX XXXX XXXX XXXX TXXXX XXXX XXXX XXXX XXXX XXXX  ) These appear inaccurately as installment loans rather than subscription services, which misrepresents the nature of the accounts. 
Because these entries are inaccurate and/or unverifiable, I demand a reinvestigation in accordance with FCRA. If the furnishers can not provide verified evidence of the accuracy of these accounts, they must be deleted immediately from my credit file. 


Thank you for your prompt attention to this 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
Consumer complaint received 2025-09-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I am writing to formally dispute inaccurate and/or unverifiable information appearing on my credit report as provided by your agency, [ Experian, TransUnion, Equifax ] . Under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681e ( b ), you are required to follow reasonable procedures to assure maximum possible accuracy of the information you report. Additionally, 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) requires that any information found to be inaccurate, incomplete, or unverifiable must be deleted or corrected promptly after a reinvestigation. 
After reviewing my credit report dated XX/XX/year> ( Reference # XXXX ), I have identified the following inaccuracies : Accounts in Dispute : XXXX XXXX XXXX XXXX XXXX ( multiple tradelines ) Reporting inconsistent delinquency information across bureaus, including past due balances and statuses that do not match my records. 
XXXX XXXX ( Acct ending XXXX ) Inaccurate reporting of past-due history ; account is current. 
XXXX XXXX Showing as charged off despite being transferred/purchased by another lender. 
XXXX XXXX  XXXX XXXX XXXX XXXX XXXX accounts Reporting as charge-offs with inconsistent dates and statuses across bureaus. 
XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX accounts showing contradictory last payment and last active dates, some unverifiable. 
XXXX Self-Reported Accounts ( XXXX XXXX XXXX XXXX XXXX TXXXX XXXX XXXX XXXX XXXX XXXX  ) These appear inaccurately as installment loans rather than subscription services, which misrepresents the nature of the accounts. 
Because these entries are inaccurate and/or unverifiable, I demand a reinvestigation in accordance with FCRA. If the furnishers can not provide verified evidence of the accuracy of these accounts, they must be deleted immediately from my credit file. 


Thank you for your prompt attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-08 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: TX

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file! 

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 FTC Report Number : XXXX 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. I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be no confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

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 2025-09-08 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: TD BANK US HOLDING COMPANY
State: MA

Complaint narrative:
XX/XX/XXXX - XXXX, 2025 : My credit card was stolen and used for a series of XXXX fraudulent transactions at multiple Target locations. I confirmed my last valid use of the card was in XX/XX/year>, so all of these charges were fraud. 

XX/XX/year> : I called Target Fraud Department and notified them of the fraud. They cancelled my card and mailed me a fraud investigation form. 

XX/XX/year> : I returned the fraud form via fax ( and have fax confirmation receipts ). 

XX/XX/year> : I called to check on status of fraud claim and was told they did not receive my fax. 

XX/XX/year> : I faxed the form again and also sent a physical copy by mail ( and have the fax confirmation and USPS delivery confirmation ). 

XX/XX/year> : Despite them having been aware that these transactions were fraud and stating they were investigating, and that no payments would go made on the fraudulent charges, my bank account was debited for {$4700.00}. 

XX/XX/year> : On calling, and escalating through multiple departments over nearly an hour, I learned that they had not actually disabled auto-payments and had not otherwise suspended payments on my account and so they proceeded with debiting my account for the full disputed amount in violation of federal and state consumer protection laws. I was told that the best I could hope for is that they would escalate it internally and hopefully I'd receive a check back for the amount in weeks leaving me out nearly {$5000.00} in the interim.

Company response to consumer: Closed with monetary relief