vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-09 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: NC

Complaint narrative:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX INQUIRIES : 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 2025-07-09 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: NC

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute the validity of a debt reported on my credit file by a property management company. I am requesting that this account be investigated in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), specifically Sections 609 and 611, which entitle me to accurate and verifiable information on all debts reported to credit bureaus.

Columbia Debt Recovery LLC DBA GENESIS ACCOUNT NUMBER : XXXX  {$3800.00} XX/XX/year>XXXX  I do not have a clear recollection of this debt, and I have not received proper documentation validating the amount owed, the original contract, or a full accounting of the charges. Under Section 609 of the FCRA, I am requesting a full validation of this account, including : A copy of the original lease or agreement with my signature A full breakdown of charges including any fees or penalties Documentation proving that this debt is valid, accurate, and legally enforceable Proof that this property management company has the legal right to collect and report this debt. 

Until full validation is provided, I am requesting that this debt be marked as " in dispute '' and not be used in calculating my credit score. If the creditor fails to validate the debt within the time allowed under the FCRA, I am demanding that this item be permanently removed from all credit reports where it appears.

If this debt was inaccurately or unlawfully reported, this constitutes a violation of the FCRA and I reserve the right to seek all remedies available under federal law. 

Please confirm receipt of this complaint and advise me of the steps that will be taken to investigate and resolve this matter. I request a full copy of the findings once your investigation is complete.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-09 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: MI

Complaint narrative:
I have submitted written requests for validation of multiple collection accounts that are being reported on my credit file. I requested full validation including original account documentation, chain of custody, and proof that the reporting agency has legal authority to report the debt. 

To date, no documentation has been provided, yet the accounts remain on my credit file. This is a direct violation of my rights under the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). 

I am formally requesting immediate removal of all unvalidated accounts. 

If this issue is not resolved within a reasonable timeframe, I will move forward with filing a civil lawsuit for noncompliance and damages under the FCRA and FDCPA. 

Please take this as a final opportunity to resolve the matter before legal action is initiated.

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 2025-07-09 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: MI

Complaint narrative:
I have submitted written requests for validation of multiple collection accounts that are being reported on my credit file. I requested full validation including original account documentation, chain of custody, and proof that the reporting agency has legal authority to report the debt. 

To date, no documentation has been provided, yet the accounts remain on my credit file. This is a direct violation of my rights under the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). 

I am formally requesting immediate removal of all unvalidated accounts. 

If this issue is not resolved within a reasonable timeframe, I will move forward with filing a civil lawsuit for noncompliance and damages under the FCRA and FDCPA. 

Please take this as a final opportunity to resolve the matter before legal action is initiated.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-09 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 discovered incorrect accounts on my credit report, and I have no idea how they got there. I regularly check my report, but this time, unexpected discrepancies appeared. I even tried refreshing my browser, thinking it might be a glitch, but the errors remained. Since this issue persists, I request a thorough review of the documents Ive submitted so that I wont have to worry about this problem again.

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 2025-07-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: CT

Complaint narrative:
The personal information listed in my credit file includes multiple errors that do not belong to me and must be updated. This includes outdated and incorrect addresses, name variations, false employer listings, and phone numbers that I never provided or authorized. These errors violate 15 U.S.C. 1681e ( b ) of the Fair Credit Reporting Act, which requires credit reporting agencies to ensure the maximum possible accuracy of the information they report. For the record, my only and current address is XXXX XXXX XXXX, XXXX, CT XXXX, and no other addresses should be associated with my credit file. My full legal name is XXXX XXXX, and I am self-employed. Therefore, I am requesting the removal of all outdated and inaccurate addresses including : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX Additionally, incorrect name entries such as XXXX XXXX XXXX should be removed, and name variations like XXXX XXXX and XXXX XXXX XXXX must be corrected to reflect the accurate spelling : XXXX XXXX XXXX XXXX I am also asking for the deletion of inaccurate employer information including XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  as these do not reflect my current employment status. I am self-employed and have never worked for or been associated with these entities. Lastly, please delete any phone numbers on my file that do not match my current and verified contact number. These inaccuracies are not only misleading but are actively damaging my credit and financial reputation.

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 2025-07-09 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 is my second formal dispute regarding fraudulent accounts that remain on my credit report despite my initial request for investigation and removal. I have already submitted an FTC Identity Theft Report, and enclosed again is a copy for your reference, along with my government-issued ID and proof of address. 
The following accounts are the result of identity theft and do not belong to me : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX These accounts were fraudulently opened or used without my authorization and continue to negatively impact my credit report and financial standing. Under the Fair Credit Reporting Act ( FCRA ) 605B,

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 2025-07-09 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: NV

Complaint narrative:
This is my second formal dispute regarding fraudulent accounts that remain on my credit report despite my initial request for investigation and removal. I have already submitted an FTC Identity Theft Report, and enclosed again is a copy for your reference, along with my government-issued ID and proof of address. 
The following accounts are the result of identity theft and do not belong to me : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX These accounts were fraudulently opened or used without my authorization and continue to negatively impact my credit report and financial standing. Under the Fair Credit Reporting Act ( FCRA ) 605B,

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 2025-07-09 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: 2288984 Ontario Inc.
State: IN

Complaint narrative:
Subject : Fraudulent Account Opened with XXXX  Dear XXXX XXXX XXXX I am writing to formally report a fraudulent personal credit account that has been opened in my name by a company called XXXX, which I did not authorize or initiate. 

In XX/XX/year>, I received an unexpected email referencing a XXXX  account. I immediately recognized this as suspicious and filed disputes with all three major credit bureausXXXX XXXX XXXX XXXX. I also placed a freeze/lock on all three of my credit reports to prevent further misuse of my personal information. 

Despite these actions, I continued to receive follow-up emails regarding this account. In XX/XX/year>, I revisited each bureaus platform to follow up. Two of the three bureaus showed no record of a XXXX  account. These disputes were marked as resolved within two days, yet I received no notification or update from the bureaus regarding the outcome. 

In addition, XXXX XXXX monitors both XXXX  and XXXX no record of a XXXX  account under my credit profile. However, because XXXX XXXX directed me to XXXX  for resolution, I filed a dispute through XXXX  directly. The dispute response stated : " Investigation results : Verified as accurate and updated. The disputed item was verified as accurate. However, other information has also changed. '' ( XXXX  XXXX ID : XXXX ) I also noticed that XXXX  had updated my addresssomething I had not initiated or authorized. 

Its important to note that prior to XX/XX/year>, I was inundated with spam and phishing phone calls, which only subsided after I froze my credit. I believe this activity is connected to a broader attempt to exploit my identity and open unauthorized accounts. 

I want to state unequivocally : I did not open an account with XXXX. 

I did not authorize any personal credit loan or give permission to any party to do so on my behalf. 

I have had no contact or business relationship with XXXX prior to this incident. 

As of today, this account appears to be associated with my credit report and is listed as delinquent, which is deeply distressing and damaging to my financial integrity. I am requesting that the XXXX  investigate this matter, as well as encourage XXXX  to provide all records associated with this fraudulent account, including the XXXX address, application data, and any verification documents used to open it. 

I would also appreciate guidance on the best next steps for resolution and credit repair. 

Sincerely, XXXX XXXX XXXX XXXX XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-09 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: TN

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 2025-07-09 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: NC

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

1681c-2 ) that you, the Equifax Information Services , 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 Address : XXXX XXXX XXXX XXXX XXXX NC XXXX ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-09 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: SC

Complaint narrative:
I filed a prior identity theft complaint under FCRA 605B and submitted all required documentation to Equifax. Despite this, the company responded that the accounts were " verified '' without providing any supporting documentation or the method used to verify. 

Per FCRA 611 ( a ) ( 6 ) ( B ) ( iii ), the credit bureau must provide : 1. The name, address, and contact information of the furnisher.
2. A description of the method used to verify the information.

3. Documentation used during the reinvestigation. 

I am requesting that the CFPB ensure Equifax provide this verification information immediately or remove the disputed items, as failure to do so is a violation of the FCRA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-09 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:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX/DOFED ] Account Number : [ XXXX ] Creditor Name : [ XXXX/DOFED ] Account Number : [ 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 2025-07-09 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: SC

Complaint narrative:
The personal information on my credit report were outdated.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-09 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2025-07-09 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: MA

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

1681c-2 ) that you, the Experian Credit Services , 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 Address : XXXX XXXX XXXX XXXX XXXX MA XXXX ACCOUNTS : XXXX  - Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 2025-07-09 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: GA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the EXPERIAN 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. This fraudulent, inaccurate, and false information consists of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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. 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 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.

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 2025-07-09 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Kriya Capital, LLC
State: TX

Complaint narrative:
They need to stop calling me and put all communication in written form if anything as I dont recognize this debt and its most likely not mine as I have opened no new accounts and now also locked my credit report, or Ill have to consult my attorney and take legal action. Also due to this company calling me I almost lost my job.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Block, Inc.
State: IN

Complaint narrative:
This involves cash app. They closed my account. Said I went against terms of service. They won't provide any information to me about it at all.

Company response to consumer: Closed with explanation